Work out the exact dollar figure that makes work optional - on the back of a napkin, in about 10 minutes
Take what you spend in a year. Multiply it by 25. That's your FIN - the asset figure where your investments fund your lifestyle and the alarm clock becomes a choice. This guide walks you through the real version: your lifestyle, your tax, your structure.
Will your money last as long as you do? Most people never actually calculate it.
Earning a good income does not equal financial independence. You can make $500,000 a year and still be 10 years away from freedom - because of tax leaks and no structure.
The problem isn't effort. It's that without a target number, you can't build a plan.
Your FIN - Financial Independence Number - is the amount of assets required to fund your lifestyle without needing to work. It's not an age. It's a number. And once you know it, everything becomes measurable.
What's inside the guide:
The Rule of 25 - the simple formula for your FIN (annual expenses × 25)
A worked example: $100,000 a year lifestyle = $2.5 million FIN
Why high income doesn't guarantee high wealth - and where the leaks are
The 3-step Peak Value Way: FIN Calculation → Cash-Flow Modelling → Structure + Tax Efficiency
The 10-year roadmap from work to choice - Foundation, Build & Compound, Convert to Income
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