Considering you mentioned "focus less on absolute financial independence" and "small amount of savings", I guess that you want to generate multiple streams of i

Considering you mentioned "focus less on absolute financial independence" and "small amount of savings", I guess that you want to generate multiple streams of income through your "labor" instead of "capital". There are only two ways to generate, increase, create multiple stream of income through "labor": increase number of hours of "labor" spent working and/or increase the hourly rate you charge for your "labor". Two problems with "labor" based income generation approach: there is upper limit on the "labor" hours you can contribute and "capital" providers typically control how much they will pay you for each hour of your "labor". When you generate income through "capital", you have none of these limitations. Unlike days of our parents and grandparents when "labor" was well-respected, now a "capital" based income generation approach is considered much superior. You should be thinking about how you can move from "labor" based to "capital" based income generation approach. My wife likes to say it like this: "I want my Green workers (color of dollar bills not newbies) to work hard for me instead of other way around." Focus on maximizing conversion of your "labor" into "capital", accumulate/save the earned "capital" and then use it to generate income.