Occupying this free land are nature reserves, beaches and space for outdoor sports like kayaking and surfing and hiking trails surrounding the city limits.

Here in my city, there's an award-winning free zoo, a free art museum, and a free history museum, plus many parks, nature reserves and historical sites.

With reserves, you acquire far more than you need-not 6 months living expenses, but 5 years worth; not 15 minutes of free time, 1 day.