Master Implementers

Financial Freedom
in 5 Questions

Get clear on your real financial freedom number, and a simple plan to reach it, in five questions.

Marc TeoMaster Implementers

Get clear on your real financial freedom number, and a simple plan to reach it.

Most people say they want financial freedom, but they cannot put a number on it. These five questions fix that. By the last one you will know your number and how you plan to reach it.

Freedom you cannot measure stays a wish, so the whole job here is to give it a number.

1

Start by writing your top eight to ten exciting life goals.

Experiences

What do you want to do, see and own if time and money were no object?

Growth

To live those experiences, who do you need to grow into as a person?

Contribution

How do you want to give back, in both active and passive ways?

You cannot fund a life you have never let yourself picture.

Be as material as you want. You only have to please yourself.

Here is what made Marc's own list, shared as his example, not a template to copy.

A Tesla and a house out in nature

Ample time with family and friends

Regular travel around the world

Top global masterminds at $100K to $200K a year

Stand-up comedy, purely for fun

Mentoring and investing in startups

Writing books and doing interviews

Championing mental health and the environment

This is Marc's list, and yours should look nothing like it. That is the whole point.

Put your list on a vision board and look at it every single day.

A picture makes the goal feel real, and what feels real is what you keep moving toward. Marc still does this himself, and it keeps the target exciting instead of abstract.

If picturing your future feels like a cliche, that is usually the sign you need it most.

2

Put a best-guess yearly price on each of your goals.

Step one. List the yearly cost of your dream expenses, your travel, transport, house, clubs and food.

Step two. Add a buffer of 10 to 20 percent for inflation and the things you forgot to count.

Step three. Divide the yearly total by twelve to get your target monthly income.

Your best guess is enough. The number just has to exist so you can aim at it.

Here is how the math worked out for Marc.

$440K

a year, before buffer

+

10%

buffer added

→

$480K

a year

→

$40K

a month, divided by twelve

Forty thousand a month is Marc's financial-independence number. Now go and find yours.

3

There are no unrealistic goals, only unrealistic deadlines.

The timeline is your call, and it comes down to what you are willing to sacrifice.

Marc gave himself ten years so he would not have to trade away family, holidays or good food. Someone younger and hungrier might pick two or three years and give up far more, and neither pace is wrong.

If you share your life with a partner, decide this one together.

Choose the pace you can actually live with, then fully commit to it.

4

Every dollar you earn gets split across six jars.

Financial Freedom

20%

Pay first

Bills and Mortgage

50%

.

Long Term Savings

10%

.

Education

10%

.

Play

5%

.

Give

5%

.

Marc's default split, and it has to add up to 100%.

The percentages can move, but every jar gets fed something.

Pay yourself first, and yourself means the Financial Freedom jar.

Paying yourself first does not mean paying your bills.

It means the money that buys your freedom comes out before anything else gets a say. Ten percent into that jar is the usual place to start.

Bills will always shout the loudest, so the freedom jar has to be filled first on purpose.

Aspiration→Allocation→Automation

Allocation is the six jars you just set. This step sizes the target they are feeding.

Your target portfolio is your monthly number divided by a safe monthly return.

$40,000a month ÷ 1%a month = $4,000,000target portfolio

Pick a safe monthly return between 0.5 and 2.5 percent. Marc uses 1 percent, which sets his target portfolio at four million dollars.

Once the four million is invested, the portfolio pays Marc $40,000 a month at one percent.

This is a simple planning model. For real investment decisions, speak with a licensed financial adviser.

Aspiration→Allocation→Automation

Simple straight-line math shows the yearly return your plan needs.

1Total before ROI = current portfolio + monthly allocation × 12 × years

2Shortfall = target portfolio − total before ROI

3Simple total ROI = shortfall ÷ total before ROI

4Annualised ROI = simple total ROI ÷ years

Marc's example from the training: $250,000 already invested and $3,000 added every month, aimed at his $4 million target over 20 years. Run it through the calculator and check the yearly return needed against the 5 to 25 percent zone.

No compounding and no jargon here, just the plain yearly return your plan is asking for.

This is a simple planning model. For real investment decisions, speak with a licensed financial adviser.

Now hold that yearly return against one simple band.

Under 5%A return this small means the goal is too low, so aim higher.

5% to 25%You are in the zone. This is a plan you can believe.

Over 25%The plan is asking too much, so pull one of the three levers below.

If you land over 25 percent, pull one of these three levers:

1Allocate more each month

2Extend your timeline

3Trim the number

The calculator will not let you quietly lie to yourself about the numbers.

This is a simple planning model. For real investment decisions, speak with a licensed financial adviser.

Aspiration→Allocation→Automation

Set it up once at the bank and the money moves itself.

Your salary lands here

Salary account

Keeps Bills, Play and Give

The Guilt Free Fund

→Standing instruction, about a week after payday

The bank splits it automatically

Financial Freedom account

Your investments

Long Term Savings account

House, renovation, wedding

Education account

Books, courses, masterminds

One-time setup, lifetime benefit. After this you only think about growing your income.

When the split runs on its own, your progress stops depending on your willpower.

This is a simple planning model. For real investment decisions, speak with a licensed financial adviser.

Write it down, sign it, and read it daily for ninety days.

By [date], I am so grateful that my position is [target income or value].

To achieve it, I will allocate at least [percent or amount] into my financial freedom account.

Here's what I'll do: [my plan]

I believe:

Purpose. Why I do what I do.
Self-belief. Why I can do it.
Life is abundant, and I have what it takes to make money.

I am [amount] working for me right now.

Signed, [your name and today's date]

Writing the declaration turns a private wish into physical evidence you cannot ignore.

Here is the order to actually do the work.

1

Write your top eight to ten exciting life goals and vision board them.

2

Cost your dream lifestyle to get your required monthly income.

3

Decide your timeline and your allocation percentages.

4

Use the calculator to confirm the return you need sits between 5 and 25 percent.

5

Set up the automation with standing instructions at your bank.

6

Write the pledge, display it, and read it daily for ninety days.

Knowing the five questions changes nothing. Doing them in order changes everything.

Do the work at financialfreedom.marcteo.com.

The workbook calculator, the pledge and the AI companion all live there, ready whenever you are.

financialfreedom.marcteo.com

You got this.