Posted by: GeetMaiJawaafDiu? January 16, 2017
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A financial goal is different from financial independence. Your point #5 sounds like financial independence. The rest are short or long term financial goals.
My understanding of "financial independence" is that you have enough income to cover your living expenses whether you work or not [irrespective of nationality, Nepali, in your case]. Financial independence does not necessarily mean no debt. Surprising, right? I know. 
Being financially free can be achieved at any age. It usually is at any age above 21.