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The plan, in order. Most people start at stage 0 or 1, and every issue is labeled with the stage it belongs to.
00
Work out what a bare-bones month actually costs you.
01
Collect any employer match, then pay off high-interest debt.
02
Save 3 months of costs first, then 6, then 12.
03
Earn something that doesn't come from your employer. Even $200 a month counts.
04
Cut fixed costs, or test living somewhere cheaper for a while.
05
Go remote or part-time, move abroad, or stay because you actually want to.
runway_months = savings / bare_bones
How long your savings would cover a bare-bones month if your paycheck stopped.
12+ months
independence_ratio = outside_income / bare_bones
How much of a bare-bones month your outside income already pays for.
50%+
Your first email has the Freedom Flowchart as a one-page PDF and the tracker for both numbers.
Education only, not financial advice. Some links pay AltMethod a commission, and we say so when they do.