The amount you'd need invested so you never have to take a job you don't want, ever again.
Annual Spending ÷ 4% = Your Number
Your Annual Spending
Everything you spend to live your actual life. Enter each line as monthly or annual, whichever is easier to think in, and toggle it with the /mo /yr switch. Add, edit, or remove any line.
Annual Total$0
Your F.U. Number
$0
Invested and drawn down at a 4% annual rate, this is what covers your current life, indefinitely, without ever running out.
$0
Annual Spend
$0
Monthly Spend
Why 4%? It's a widely used rule of thumb from long-run market research: a properly invested portfolio can typically sustain a 4% annual withdrawal without running out over a long retirement horizon. Markets move year to year, this is a planning benchmark, not a guarantee. Take it to M2 and M3 in your Building Wealth Blueprint guide to build the plan for closing the gap.