financial freedom means you no longer think of the money to cover all your needs and your family. It will be including the need for primary, secondary, tertiary and even the unexpected needs. Unexpected need included for hospital cost for you and your family, car repair costs due to accidents, and the cost of home repairs from a fire or other force majeure.
If you are not a Trump or Gates, may be its very difficult to be completely free of financial problems. To be in financial freedom, you can e.g. by get insurance quote for your unexpected needs, such as car insurance, health insurance, education insurance, etc. depending on your needs.