Five numbers decide when you’re free. Most people know one.
Your FI number. Your barista number. Your coast number. How many years you are from free, and what an extra $1,000 a month does to that. And if you own a business, what it would really land if you sold it. One spreadsheet that works out all five for you, with a yearly check-in so you can watch your date move. Free.
Who it’s for
You have a skill and a salary, and every calculator you’ve tried says “never” or “sixty”. Or you already run a service business that pays you, but it doesn’t count toward your date yet. I’ve been both. The sheet is written for both.
Why five, not one
Most calculators give you one date and hide the assumptions. You can’t see which lever moves it, so you default to the only one anyone talks about: spend less. The sheet shows the other lever.
I started on $1,700 a month. By 2008 I was netting $4,800. A skill, then a business, then a sale. These are the numbers I wish I’d had at the start.
What happens after you sign up
You confirm your email and get the sheet straight away. Later, occasional letters: one decision from the build, the number behind it, and what it did to the date.
What you won’t get
Affiliate links. Income screenshots. Countdown timers. Advice on what to buy. I’m not a licensed adviser. I show what I did and the maths, and you run yours.
Drop your email below and the sheet is on its way.
— Nigel