A practical workbook to get clear on your real financial freedom number, and a simple plan to reach it, in five questions.
Everything you type stays in your browser on this device. Nothing is sent anywhere, and nothing is saved to any server.
This page is your workbook, and you fill it in right here. If you would rather be guided, you can also use the AI companion. It is a separate file that you download and upload into ChatGPT, Claude, or any AI you use, and it walks you through all five questions.
Start with the life you actually want, not the money. List your top 8 to 10 most exciting life goals. Money is only the tool that pays for them.
If time and money were no object, what would you do? Travel the world on a cruise, visit all the Disneylands, take holidays whenever you feel like it.
To live those experiences, who do you need to become? Think about the person you want to grow into.
How do you want to give back? Think about both active impact and passive impact, and the causes you care about.
A Tesla, a house near nature, and ample time with family. Investing $100K to $200K a year into the top global masterminds. Learning stand-up comedy just for fun. Becoming a mentor and investor for startups. Writing books and doing interviews. And doing meaningful work on mental health and the environment.
List the yearly cost of your dream lifestyle. A best guess is fine, it does not need to be exact. Think about travel, transport, your home, clubs, food, and anything else your goals need.
Marc's dream lifestyle came to $440K a year before the buffer. With a 10 percent buffer that becomes $480K a year, which works out to about $40K a month. That is his financial independence number.
There is no such thing as an unrealistic goal, only an unrealistic deadline. The timeline is your call, and it depends on what you are willing to sacrifice.
Choose any timeline from 1 to 40 years. This number carries into your calculator in question five.
Marc gave himself 10 years, because he was not willing to sacrifice time with his family, his holidays, or good food. Some of his younger friends chose faster, more aggressive timelines and sacrificed almost everything to get there sooner. Neither choice is wrong. The only question is whether you are willing to put in the time and effort your timeline demands.
This is the Six-Jar system. Enter your monthly income, then decide the share that goes into each jar. The percentages are not fixed. The point is to build the habit of putting something into each one every month.
Triple-A stands for Aspiration, Allocation, and Automation. This is a simple planning model, so it uses straight-line math, not compounding. It is here to help you think clearly, nothing more.
Marc suggests a safe projected return between 0.5 and 2.5 percent a month. Anything higher usually means higher risk.
Prefilled from question three, and you can edit it here.
Prefilled from your Financial Freedom jar in question four, and you can edit it here.
Fill in your numbers above and your verdict will appear here.
Marc's example$40K a month at a 1 percent monthly return means a $4M portfolio does the work for you.
This is a one-time setup with a lifetime benefit. Once it is installed, you only think about growing your income, because the allocation happens on autopilot.
Enter your monthly income above to see exactly how much flows into each account.
These amounts are a suggested guide based on the percentages you chose, not a fixed rule. Before you set up any standing instruction at the bank, talk it through with your own financial consultant or a licensed adviser so the split fits your situation.
This is the step that makes it stick. Fill in your pledge, then read it every day for 90 days.
By , I am so grateful that my position is .
To achieve it, I will allocate at least into my financial freedom account.
Here's what I'll do:
I believe:
1. Purpose. Why I do what I do:
2. Self-belief. Why I can do it:
3. Life is abundant, and I have what it takes to make money.
I am working for me right now.
Signed: ,
The AI companion works with ChatGPT, Claude, or any AI you use. It walks you through the five questions, checks your math, and helps you write your pledge. Your answers on this page are already inside it.
To be clear, this page is your workbook that you fill in here. The AI companion is a separate file that you download and bring into your own AI tool to be coached through the same five questions.
The same companion, right here at the end of your workbook. Download it, then upload it into ChatGPT, Claude, or any AI you use, and your numbers are already inside it.