I’m 36 and want to be financially independent by the time I’m 40 and retire by 45.

Year-over-year statistics, and other indicators.

My girlfriend is getting onboard with financial independence, and i'm really happy for this yall!

:@Ronald RohdeStatistical analysis provides INFERENCE through correlation, NOT causation, through same.You can prove causation statistically, look up disproving the null hypothesis. 

I'm looking for the best strategy for my situation to get me to financial independence as fast as possible.

Last summer I broke off and started consulting independently in the offshore geophysical survey industry and have been self employed coming up on a year now. 

I always report the facts and share the background knowledge of what is changing and trending in the market.The month of April is significant because it is the first full month of statistics showing the health of the local housing market and economy. 

This was my path to financial independence. 

After seeing the unanimous "no" on this feed, and doing more independent research I decided to take your advise and not do the deferment, and also to cancel my forbearance.

I would assume that your ultimate goal is to grow wealth, obtain financial independence, etc.