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financial-independence-roadmap

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Map a realistic path toward financial independence — the number you'd actually need, your savings rate's massive effect on the timeline, and the honest tradeoffs. Use when asked how do I reach financial independence, explain FIRE, what's my FI number, or plan for financial freedom. Produces an educational read on your rough FI number (and why the savings rate matters more than income), the timeline math at different savings rates, the levers and lifestyle tradeoffs, the different flavors (lean/coast/full), and the traps — turning a vague dream of freedom into a directional plan. Not financial advice.

skills/financial-independence-roadmap/SKILL.md

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# Financial-Independence Roadmap

Financial independence — having enough that work becomes optional — sounds like a fantasy until you see the math: it's driven far more by your *savings rate* than your income, because a high savings rate both builds the pot faster and shrinks the pot you need. This gives an educational roadmap: your rough number, how savings rate bends the timeline, the flavors of FI, and the honest tradeoffs. Not financial advice.

## What This Skill Produces

- **Your rough FI number** — an educational estimate of the pot that could sustain your spending (based on common rules of thumb, flagged as illustrative)
- **The savings-rate revelation** — how your savings rate, more than income, determines the timeline (and why)
- **Timeline math** — a rough sense of the years to FI at different savings rates, so the tradeoff is concrete
- **The flavors** — lean FI, coast FI, barista/partial FI, full FI — so it's not all-or-nothing
- **Levers & tradeoffs** — the honest tension between saving hard now and living now, and how to find your balance
- **The traps** — lifestyle inflation, an over-optimistic withdrawal assumption, and forgetting that FI is a means, not the point

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