Calculate the exact amount you need invested to live off returns indefinitely. Formula: annual expenses × 25. At that amount, a 4% annual withdrawal is statistically sustainable for 30+ years according to long-term research.
Anyone who wants to stop trading time for money at some point — regardless of traditional retirement age.
Calculate your actual annual living expenses — not income, what you genuinely spend.
Multiply by 25. This is your Financial Independence number.
Track your net investable assets toward that specific number monthly.
Invest primarily in low-cost index funds within tax-advantaged accounts.
At your FI number, a 4% annual withdrawal covers expenses (based on the Trinity Study research).