Calculate Exactly When You Can Quit Your Job
Stop dreaming, start planning. Our calculator reveals your exact path to financial freedom and shows you the timeline to become location independent—based on your real numbers, today.
Your Freedom Number
Time to Freedom:
Real Results from Real People
The Complete Financial Freedom Roadmap
Everything you need to go from paycheck-to-paycheck to location independent. No fluff, just the proven system that's worked for thousands.
The 4-Pillar System
1. Calculate Your Freedom Number
Using the 4% rule: Annual expenses ÷ 0.04 = Your FI number. That's it.
2. Optimize Your Savings Rate
Focus on the "Big Three": Housing (50% reduction possible), transportation (80% savings), and food (60% savings).
3. Invest in Low-Cost Index Funds
VTSAX or equivalent. Set it, forget it, ignore the noise. Historical average: 7% real returns.
4. Prepare for Nomad Life
Global banking, health insurance, tax strategy, and choosing your first destination.
Proof It Works
Case Study: The Average Success Story
Starting point: $45K salary, $18K expenses, $15K saved
Actions taken: Moved to lower COL area, increased income through side hustle, invested in index funds
Results: Achieved $400K portfolio in 5.5 years
Current status: Location independent, living in Portugal
What You'll Get
- Step-by-step 7-day email course
- Nomad banking & investment guide
- 50+ budget destination profiles
- Tax optimization strategies
- Insurance & health coverage abroad
- Access to private Discord community
The 7-Day Financial Freedom Accelerator
Transform your relationship with money and design your escape plan. Each day builds on the last, taking you from financial stress to a clear roadmap for location independence.
Vision & Your Personal Freedom Definition
Most people chase financial independence without knowing what they actually want. We'll define YOUR version of freedom and create an emotional anchor strong enough to sustain you through the journey.
- Freedom Vision Worksheet
- Values Assessment Tool
- Goal Setting Framework
- Motivation Audit Checklist
The Only Two Numbers That Control Your Future
Forget complicated financial advice. Your freedom depends on just two metrics: your Savings Rate and your Freedom Number. Master these, and the rest becomes simple math.
- Advanced Freedom Calculator (Excel + Google Sheets)
- Savings Rate Optimization Guide
- The 4% Rule Deep Dive
- Alternative FIRE Strategies (LeanFIRE, FatFIRE, BaristaFIRE)
Passive Investing Masterclass
Learn the investment strategy that's created more millionaires than any other: low-cost index fund investing. We'll cut through the noise and give you the exact portfolio allocation used by financial independence achievers.
- The Ultimate 3-Fund Portfolio Guide
- Broker Comparison & Setup Instructions
- Tax-Advantaged Account Strategy
- Rebalancing & Automation Guide
- Market Psychology Preparation
The "Big Three" Expense Optimization
Housing, transportation, and food represent 70% of most budgets. Small optimizations here create massive acceleration toward your Freedom Number. We'll show you how to cut costs without sacrificing quality of life.
- Housing Optimization Strategies (rent hacking, house hacking, location arbitrage)
- Transportation Alternatives Analysis
- Meal Planning & Food Budget System
- Lifestyle Inflation Prevention Guide
- Value-Based Spending Framework
Account Optimization Sequence
The order you fund accounts can save or cost you tens of thousands in taxes. Learn the exact sequence used by financial advisors to maximize your money's growth potential.
- Complete Account Funding Priority List
- 401(k) Optimization Guide
- Roth vs Traditional Analysis Tool
- HSA Triple Tax Advantage Strategy
- Taxable Account Best Practices
The 4% Rule & Withdrawal Strategies
Understanding safe withdrawal rates is crucial for sustainable financial independence. We'll explore the research behind the 4% rule, alternative strategies, and how to adapt for early retirement scenarios.
- Trinity Study Deep Dive Analysis
- Sequence of Returns Risk Mitigation
- Bond Tent Strategy Implementation
- Variable Withdrawal Rate Methods
- International FIRE Considerations
Psychology & Staying the Course
The biggest threat to your financial freedom isn't market crashes—it's your own psychology. Learn to automate your investments, ignore market noise, and maintain discipline during the hardest moments.
- Behavioral Finance Crash Course
- Automation Setup Guide
- Market Crash Preparation Playbook
- Progress Tracking Systems
- Community Access & Accountability Partners
Exclusive Bonus Materials
Digital Nomad Toolkit
Complete guide to banking, taxes, insurance, and logistics for location independence
Destination Cost Database
Detailed cost breakdowns for 50+ nomad-friendly destinations worldwide
Private Discord Community
Connect with 2,000+ aspiring and current nomads on their FIRE journey
Monthly Progress Reviews
Live monthly calls with Sarah to review progress and optimize strategies
Frequently Asked Questions
How much money do I really need to become a digital nomad?
Most successful nomads achieve financial independence with $300K-$800K, depending on their lifestyle costs. Using the 4% rule, if you want to spend $2,000/month ($24K/year), you need $600K invested. Our calculator shows your exact number based on your desired lifestyle.
Is the 4% rule safe for early retirement?
The 4% rule is based on the Trinity Study and has a 95%+ success rate over 30-year periods. For early retirees, many use 3.5% for extra safety. Our calculator lets you adjust this rate to match your risk tolerance.
What's the fastest way to increase my savings rate?
Focus on the "Big Three" expenses: housing (aim for 15-25% of income), transportation (consider car-free living), and food (cook more, dine out strategically). These three categories typically represent 70% of spending and offer the biggest optimization opportunities.
Should I invest in individual stocks or index funds?
For 95% of people, low-cost index funds (like VTSAX or VTI) are the optimal choice. They provide instant diversification, minimal fees (0.03-0.1%), and historically outperform 80%+ of actively managed funds over 10+ year periods. Keep it simple and focus on increasing your savings rate instead.
How do taxes work as a digital nomad?
US citizens can use the Foreign Earned Income Exclusion (FEIE) to exclude up to $120,000 of foreign-earned income (2023 limit). You may also qualify for foreign tax credits. However, investment income is generally not excludable. Always consult a tax professional familiar with expat taxation.
What about healthcare as a nomad?
Traditional health insurance doesn't work abroad. Most nomads use specialized travel insurance (like SafetyWing or World Nomads) combined with international health insurance for serious medical needs. Budget $100-300/month depending on age and coverage level.