Financial independence spreadsheet

The path to FIRE is simple but not easy. Create a kickass financial independence spreadsheet 4. I recommend doing a check up every three months to make sure you’re still on track to meet your financial goals. Before comparing and contrasting, we ought to establish what sort of lottery winner we’re talking about and what it means to have financial independence. Financial Independence Track your progress towards Financial Independence with automated calculations, data visualisation, long and short term goals and multiple useful data points. Define Inputs and Outputs Related posts of "Financial Independence Spreadsheet" Spreadsheet For Bill Tracking Should you commence using Google docs a fantastic deal, you might want to arrange your documents into various folders. The yellow range represents the savings and growth phase, and the green range indicates financial independence: Insert the gauge chart, resize as necessary, and drag into column A: The label of financial independence typically applies to anyone whose net worth equals or exceeds 25 times their annual expenses. But, you’ll reach financial freedom much faster by being organized about your intentions. while allowing the independence of separate accounts (if desired). The FI tab, which stands for financial independence, is probably the most important one on the spreadsheet. where you can cut back so that you have money to put towards your financial goals. Your excel sheet is very detailed, good job. Below is a quick view of the calculator. A few things to know: The withdrawal rate is the amount you take in year one of your financial independence. Gasem mentioned that he'd enrolled in an online video course on creating a Financial Independence spreadsheet taught by blogger and math whiz Actuary on Fire (henceforth "AoF," which I imagine to be the sound of a sucker punch to your cerebral cortex). Access Google Sheets with a free Google account (for personal use) or G Suite account (for business use). Hi I’m Bob Lai from Vancouver Canada. Financial independence and early retirement will vary depending on your situation, wants, and needs. Marry the wrong person and the emotional, financial, and social toll it can take on your life will overwhelm almost any progress you can make in your career or pocketbook. Kline Excel, among the Office applications, is still the 800-pound gorilla in spreadsheets. financial independence retire early spreadsheet. Their experiences, advice, and discussions may be just what you need to kick-start your path towards financial independence. While I know from myself that it is often tempting to get all information before starting on a new journey there is so much  May 16, 2017 Achieving Financial Independence is a major step, and results in a "Work Optional" life. My first love is my beautiful wife and three kids. Oct 25, 2018 EconDad Link: Family Financial Projection Spreadsheet I'm a big fan of the writers in the FIRE community (Financial Independence, Retired  Credit Card Spreadsheet & Strategy Student Loan Resource Page Crowdfunded Real Estate Recommended Books & Services Recommended Financial  These free money tools, spreadsheets, videos, and calculators are designed to be to reach financial independence (when you don't have to work for money). Very few books have changed the way I think as much as “Your Money or Your Life”. The Shockingly Simple Math Behind Early Retirement Here at Mr. To manage our money, every December or January, I'll prepare a yearly savings plan. I was working through a way to explain how we will reach Financial Independence and have taken some inspiration from a couple of different sources. Add flexibility by including or excluding equity, and by using the current years spending as a budget or manually set your own. You’ll reach financial independence faster if you’re organized for the journey. The stock market is volatile and we don’t always spend the same amount every year. I write about how to build income streams so you can explore the unusual. Introducing The Australian Financial Independence Calculator . We hinted at it recently, but today we’re sharing loads more detail about our ahead-of-schedule progress toward early retirement, with charts galore. Each achievement and the rewards that come with it will give you the momentum to reach your goal. to/2SvIRhS Year Age Assets Savings/month Yield rate Money needed / month % We've been holding a Status Meeting at breakfast every Saturday morning all year, and we love it. Of course, that’s just a definition on paper. It draws from all of the tabs before it and annualizes monthly numbers. 00 x 12 mos) How powerful/scary is that? Kristy Shen's one piece of advice for financial independence: Track your money. and you can use it. The genuine spreadsheet remains personal, obviously. Assumptions for the early retirement calculator But really it has been superseded by my new course – Create a kickass financial independence spreadsheet – for beginners. Menu Here is the exact spreadsheet I use to track my own net worth each month:. Love the spreadsheet. You need to have more resources coming into your life than going out. Countdown to financial independence How I Keep Track of My Budget, Free Template. We’ll get to the specifics in a second. Advanced strategies for pursuing financial independence and early retirement on the Mad Fientist email list and start tracking your progress in the FI Laboratory While the Financial Independence Spreadsheet is available for free, a lot of love and passion went into it. Skip to content. To get you started, here is the spreadsheet calculator I promised, - click here or on the button to download it. In fact, just a few simple calculations can give you a rough estimate of how many years it should take you to get there, based on your current rate of spending and saving. mad fientist financial-independence-spreadsheet. That’s how Shen says she and her husband Bryce were able to 6 Steps to Achieving Financial Independence For those young adults who are inching their way toward achieving financial independence, it can be difficult to figure out when exactly to move out Financial independence is a goal most people have, and many think entrepreneurship is the best path to it. were Excel nerds before we ever even heard the term financial independence. May 1, 2017 (the spreadsheet is public but read-only, make a copy in your own Google Programs such as financial independence look for sum amount of  Jul 26, 2013 Using this financial independence planning spreadsheet, you can follow the calculation to estimate the amount of money to save and the  Apr 21, 2018 seeking financial independence for a digital nomad I noticed this also and want a spreadsheet that will do all the basics well, but also print  Mar 26, 2015 J$ even coined an acronym for it – SFL (spreadsheets for life). Financial Independence. This podcast dives into middle class financial topics for both the average full time employee (Sean) and the small business owner (Kevin). You don't need computer  Jan 25, 2017 Hoping to find a really good spreadsheet, but am having trouble. Jan 18, 2016 financial independence, early retirement, saving, investing. If you want to read more about financial independence or my stories I'll make sure you're notified every time I post My primary financial goal is to retire at age 55, one year before my Dad retired. The above table will likely show you need to work slightly longer because your withdrawal rate should be less than your return on investments. Each month, we share transaction details of a real-life stock portfolio, including trades, dividend re-investments, dividend increases, and dividend cuts. Jun 14, 2017 In pursuit of financial independence and personal fulfillment The spreadsheet I use to budget and track my income and expenses is  Mar 10, 2019 Download my free budget spreadsheet, templates, and planners. “31 Days to Financial Independence” is an ongoing series that appears every Thursday on The Simple Dollar. Finally, use the Yearly Budget spreadsheet to get a bird’s eye view of your overall spending. In reality a 9-5 job may be better. Most households have nowhere near 25x their annual expense. That’s right. Let’s file that information under N for “No Shit, Sherlock”. So when the great J. It is designed to give you a low-level view into your financial situation. Would You Quit Your Job as a Lottery Winner? How Financial Independence is Like Winning the Lottery . For now, here’s the calculator… This simple spreadsheet can quickly estimate how long it will take you to achieve financial freedom based on the percentage of your income that you save. Today, I have back on the show, Brandon from MadFientist. And you need to grow those resources. I strongly suggest you check that out. Tawcan is a personal finance blog that chronicles my quest for joyful life and financial independence. ” Seeking Financial Independence: Do You Have a Money Plan? Unfortunately, most of us are not taught even just the basics of personal finance by our parents. Below is the Google Sheets link to our FREE copy of the Ultimate Financial Independence Budget here & BONUS Stock Tracker. On a spreadsheet, early financial independence is just a matter of saving enough money and earning the right return. If you’d like, you can check it out here using Google Docs. One question asked about financial independence is whether its relevant for ordinary people. In 2013 I decided to change my life and pursue Financial Independence. 1500 Days to Freedom Hey there! So glad you're joining the financial independence journey with us! You are now subscribed to the Our Rich Journey site!. It also takes saving your brains out thanks to a good salary and let’s not forget lots of luck. The financial independence number is the amount of money you need to become financially independent. I like to keep my expenses as simple as possible, but no simpler. Financial independence shows what’s possible, not what’s normal. Sloppiness with your money is no advantage on the journey to wealth. Create a Kickass Financial Independence Spreadsheet There are many tools out there to help you achieve your financial independence goals. You’ll be less stressed and overwhelmed, and more focused on progress. your life so your daily actions result in financial independence then check out  Jan 30, 2017 The road to financial independence can be long; an intermediate step the Keep Thrifty Retirement Freedom Calculator in spreadsheet format:. Last time, we went in a bit of a different direction and spent some time discussing our “true hourly wage. Money’s original sheet. Sheet 1: Accounts You can follow my journey towards financial independence and early retirement to see an example. Live Below Our Means When a seemingly insurmountable goal like financial independence becomes a series of milestone achievements you can focus on, it’s easier to get dialed in. If you haven’t already downloaded the spreadsheet, click here to get instant access! Net Worth Tab. Financial Independence and Early Retirement blog. Join a global community of people that are pursuing Financial Independence through Investing, Real Estate and Business creation. Measurement is the First Step towards Financial Independence. . Now that we've set up the financial independence spreadsheet, it has instantly become an agenda item. Here are some baseline numbers and ideas for you to consider and a guide for how to use the calculator. We use a number of different spreadsheets in our household to help us track everything. Featured in The New York Times, TODAY show, and more, has taught thousands how to manage their money to become financially independent. When people ask me how to get started on their journey to financial independence, I usually share some audiobooks and tell them that they should fill out this spreadsheet. If you are unsure if the debt snowball or avalanche method of debt repayment is best for you, then this article may help. Start today! Hi all. 5 (35 ratings) Course Ratings are calculated from individual students’ ratings and a variety of other signals, like age of rating and reliability, to ensure that they reflect course quality fairly and accurately. 5 (35). Financial Success Story: This Single Mom's Path To Financial Independence. As you try to build a life, he or she will be out spending your money, making it nearly impossible for you to achieve financial independence. Generating enough passive income streams to cover your monthly expense is probably even more difficult unless you’re really good at it. This subreddit deals primarily with Financial Independence, but additionally with some concepts around "RE". Step #1 Know Exactly What Your Financial Picture Looks Like. And finally, the last step of the spreadsheet is about tracking how far you are from the crossover point, the point where your capital interests are higher than your living expenses. We explore the life optimization strategies that are possible when you decide to get off the hamster wheel and take the Road Less Travelled Happy Holidays! I try not to run a spreadsheet tracking a budget for every expense because I feel I spend too much time as it is reading and writing about financial independence, on Personal Capital, and if I tracked where every single dollar went, it would be overkill since i have a plan and stick to it. But there is help out there for those interested in learning how to achieve financial independence without smoke and mirrors. This post is an experiment. I wish the social security website calculator had a way to account for a much lower income once financial independence is achieved (say 10 years from now), as opposed to only having one blank for 2018 and later. Here are the 5 steps that we took to figure out where we were financially and got us to financial Independence. I’ve also produced an excel spreadsheet for some friends to help with their planning. Imagine a calculator, a choose-your-own-adventure book, a series of interviews & a guide to early retirement and financial independence all rolled into one! Welcome to ChooseFI. Financial independence by the 2 measures above is very difficult to achieve. What do you want to do  Spending the time to prepare a financial model (spreadsheet) helped us determine the best path to our financial independence (FI). I found this spreadsheet very useful for my personal use and I hope someone else reading this blog will find it useful as well! Cheers, Physician on FIRE is a personal finance website devoted to helping high-income professionals achieve financial independence and the option to retire early. Reply Financial Independence - Achieve it with my AutoPilot Money Goals Spreadsheet Explained ️MY BOOK The Master Money Blueprint is available now on Amazon Kindle Store here - https://amzn. Money Mustache, these calculators are designed to help you better plan for financial independence. If you have a family with a van load of kids, it’s probably more than if you are single and just need to take care of yourself. It's basically simple math. (FI = Financial Independence) That last one is a whopper! For example, if your cell phone costs you $50/mo right now, and you want to keep it in early retirement, you will need $15,000. This page explains how to use my personal financial independence spreadsheet. In fact, the FIRE community seems to focus less on the “retire early” aspect of the movement and more on the financial independence component, “which is a powerful aspirational goal that is readily achievable if people are willing to make some small, but important, optimizations in their lives,” said Jonathan Mendonsa, co-host of the ChooseFI podcast. I love Excel sheets, just recently posted a Financial Independence / Early Retirement spreadsheet based on J. In this article, I'll show you how to calculate your own FI number. Finding the right savings rate will get you to financial independence whether you're earning $50,000, $100,000 or $200,000 a year. Brandon explains how you can calculate the amount of money you need to have before taking the leap away from the 9-5. For some, the term might indicate the moment you will no longer rely on your parents to cover all of your expenses. Many of us may have parents who struggled themselves financially. Need an Account? How We Fast Tracked our Journey to Financial Independence. Financial independence can be different from one person to the next. Even in financial independence there is no one size fits all since everybody has The spreadsheet will then calculate net worth, savings rate, net worth growth rates, projected portfolio values, and also when it thinks you will become financially independent. I use them for everything. Reaching Financial Independence is an ambitious goal, but it isn’t a complicated one. Join the #1 Early Retirement and Financial Independence Forum Today - It's  Dec 26, 2018 “Reaching financial independence, like dieting, is about being tracking his income, spending and investments in a spreadsheet since 2006. Definitely encouraging and motivating to see that FIRE is actually attainable. We used to discuss many of these numbers, but now they're in a more detailed, more accessible format. Picture That moment when you realize these coins could have spelled 'FI'. If you are married, sit down with your spouse and fill this out. I started my NW spreadsheet in Microsoft Excel, when having more than a single  With how much time I have spent developing these financial spreadsheets, I think that it would This spreadsheet is a great tool to see how much the ACA program . Financial growth is a great reason to seek a paid budgeting tool. Finding Freedom Through Financial Independence. With this, you can learn from how I do it, and adopt for your own Google Spreadsheet. My second love is travel Hey there!Thanks for joining my e-mail list and entering the Escaping to Freedom "inner circle" - also known as the Freedom Seekers. My primary financial goal is to retire at age 55, one year before my Dad retired. 4/. and the green range indicates financial independence: Customize_Dividend_Meter  Apr 27, 2019 But before we dive into the spreadsheet, some words of precaution. Calculate when you can become financially independent with a real-life actuary! 4. Because of the reasons highlighted below, Jess and I are starting our journey to financial independence with a head start. The success rate of your portfolio and withdrawal plans, and optionally provide data and formulas in a spreadsheet format, using as the starting retirement year in the spreadsheet showing a full retirement cycle (must be on or after the first year data were available, and early enough to show a full cycle). Apr 4, 2019 There are some that are excel spreadsheet templates and others that are If you don't, you are just digging yourself a deeper financial hole  While writing about reaching financial independence before early retirement (aka I've used Excel spreadsheet wizardry to track my entire financial life since I  The best retirement calculators allow you to model your financial plan by varying would be too complicated for all but the most dedicated spreadsheet junkies. You will notice there are two lines in the graph. Our annuity system now requires a login, please create your free account. Download the Financial Samurai Investment Tracker Spreadsheet to track your Achieving financial independence is all about developing a system and  Dividend Meter > How to Create a Dividend Tracker Spreadsheet Visit our FAQ page to view additional financial data fields that are available to import. The words "Business Insider". However you interpret the concept, financial independence requires a lifetime of responsible, well-informed financial decision-making. The starting point is that I list all my assets and future income on a Financial Independence Spreadsheet 09/01/2019 26/01/2019 · Google Spreadsheet by Adam A. You can also browse through my blog to get concrete tips on how to retire early, achieve financial independence and increase your savings rate. You can get to financial independence well enough even if you’re disorganized. A free financial spreadsheet for tracking your progress to financial independence and early retirement! What are some spreadsheet templates that are available to help track your financial independence? Use our financial freedom spreadsheets to give you a better idea :) Then start I wanted to see exactly how far away FI (financial independence) is, and be able  With your own copy of this spreadsheet, you too can easily manage your progress to Financial Independence. I track my progress towards financial independence using a free and recommended tool called Personal Capital. For my Dividend tracking spreadsheet, I used a negative minimum to represent a debt situation. Note that this spreadsheet is not intended for investment advice. This plan is simply a spreadsheet to project out week by week the money  Tag: Spreadsheet. May 2, 2016 Download my free budget spreadsheet to rock your finances! 700+ students who've already learned the 10 steps to building a financial plan! Dec 10, 2017 Many people have requested a look at the spreadsheet that I use, so I have finally And my financial life is wider than my bank, I have many my Top 10 Tips to get you started on your financial independence journey!. Technically, financial independence (FI) is not exactly the same as early retirement. Building your financial independence is at least as hard as building a physical project: lots of moving parts, lots of factors to keep track of. 1) You will need to find out the stock symbol / quote of your stock in Yahoo Finance. In one column write down your total monthly expenses. Whatever method you use, it is important to have a system in place for budgeting and tracking your spending. Maybe you just need more functionality than the free tools can provide. To accomplish that, it helps to have tools and a system. The path to financial freedom involves accumulating and managing assets. Starting a Financial Independence Spreadsheet. The first tab in the spreadsheet is where you record your monthly account balances and calculate your net worth. In my last post I discussed the basic financial tools I use. Today we have some free worksheets (printable PDFs + Google Docs spreadsheets) that can be useful with helping you to get out of debt. Before you dive into the spreadsheet, here are a few things I learned from modeling our financial projections for retirement: Model Inputs (facts and assumptions): you will enter your age, current salary (income), investable assets (savings), and investment return information, as well as your desired retirement age and income, and the template will calculate and chart the required earnings and But the best way to increase your chances of reaching financial independence is to use an early retirement calculator like this to test a number of different scenarios. But to me they either seemed to lack the flexibility I needed. I' m a little old school and just created a simple excel spreadsheet for  Oct 18, 2017 If you've got a spreadsheet set up, you can track your spending involved in our joint financial lives, the spreadsheet is hands-down at the top of the list. in our digital Workshop The Fulfilling Path to Financial Independence. Punch excessive spending in the face and find the best way to put your employees (as in your savings) to work for you. Is there a way to make financial independence a little easier to achieve? Financial independence takes know-how, it takes discipline to hone your financial behaviours; it takes time to remain invested when others are jumping in and out of the market. The Financial Samurai Investment Tracker Spreadsheet Posted by Financial Samurai 86 Comments One of the great things about following a financial game plan is that if you stick with it long enough you’ll be surprised at how much you’ll end up accumulating. My indecisiveness towards purchasing things is a nice way to take us towards the future: how will I handle my budget to finally reach what most (or at least those that read this blog) hope to achieve, financial independence? After all, the money you spend on one thing is money you can’t spend on something else. Welcome to the Dividend Meter – a journey of compounding stock dividends towards financial independence, and resource center for creating your own stock investment spreadsheet. The format has been tailored based on my journey to financial independence. I love an elegant spreadsheet. Come learn some tips about saving money and how living frugal can help you achieve financial freedom. You might want to start this series from the beginning!. Over my wealth-building journey, I have created some pretty epic spreadsheets to help me manage my finances, and because I play nicely with Then they can play with the inputs to see how their actions impact the road to financial independence. Money Mustache, we talk about all sorts of fancy stuff like investment fundamentals, lifestyle changes that save money, entrepreneurial ideas that help you make money, and philosophy that allows you to make these changes a positive thing instead of a sacrifice. There is difference between retiring and achieving financial independence, which most people fail to understand. These decisions explain why our timeline to FI is a maximum of 11 years before any of the recent lifestyle changes. My financial independence journey started in 2011 after a financial epiphany. Please consider donating. The first is a post from Our Next Life where they discuss how they think through early retirement in phases and funding each phase with a different source of money. ” In other words, I’ll walk you through our 20 years of financial independence, how our spending had changed through the years, and how our retirement has remained on track the entire time – without financial interruptions. Requirements for realistically achieving financial independence. Financial Independence Calculated. financial independence spreadsheet uk. I'm sure you'r gonna love it here. can lead to greater money confidence, increased financial independence,  Even though most college students are not yet financially independent, 62% say Or you may need to seek additional scholarships, financial aid, and forms of  How I Use My Monthly and Yearly Household Budget Spreadsheet . The above are two screen shots from the calculator showing the basic settings and the graph that it generates. Life hacks, money saving tips, frugal food, general views on life and of course the occasional rant If financial independence, early retirement, or creating an investment portfolio are on your radar, be sure to check out these financial independence (FI) blogs and bloggers. The Pre Super number is what you will be living off until you can access your Super. When your annual return on investments cover 100% of your expenses you are financially independent. The calculator literally helps them to work the ESI Scale to reach financial independence. I need to write a post or three on withdrawal rates. I carved out some time and created a generic template of the specific spreadsheet that I use for my financial independence charts. Here is the Google Spreadsheet that I used. com. You adjust your income in line with inflation every year after that. We collected the most informative blogs about the Financial Independence, Retire Early (FIRE) movement for 2019 for your reading pleasure. An online community to exchange knowledge about FIRE (Financial Independence and Early Retirement), discussing all aspects of early retirement including planning, challenges, rewards, expense management, investment strategies, and more. to download a version of the spreadsheet that you can edit with your own information. Track your  Mar 8, 2019 This spreadsheet is by far the best and most powerfully-succinct spreadsheet Measurement is the First Step towards Financial Independence. 3 days ago In order to live the stress-free financial life that you want you NEED to have Chasing financial independence and being able to retire when and how we . Jul 30, 2019 Create a kickass financial independence spreadsheet. Though being in a state of FI means that I am not forced to earn an active income in order to fulfill my financial responsibilities. Mar 14, 2017 Kristy Shen's one piece of advice for financial independence: Track your $1 million in the bank shares the spreadsheet she used to get there. Feb 19, 2019 I'm trying to get him on the financial independence bandwagon, but I have The Mastermind Within Income Statement Spreadsheet and Debt  Jul 25, 2016 I, personally, want to achieve financial independence. But spreadsheets are tidy and life is messy. To make EFI realistic, you need to: Just like the debt snowball spreadsheet, except this is paying your debt in order of highest interest to lowest. Hey PF! Longtime lurker and just wanted to share a "FI/RE" (Financial Independence Retirement Early) spreadsheet that I put together. It’s starting to feel downright magical around here! To Care or Not To Care // The Work Mindset As Retirement Nears If you aspire to achieve financial independence or retire early, consider this piece of advice from Kristy Shen: Track your money. I am an Excel spreasheet nerd. financial independence spreadsheet reddit Time to financial independence. From there they can make plans based on the inputs and get to work on them. As long as you’re also smart and creative. Welcome fellow Mustachians! Inspired by the sage teachings of Mr. How close Get your FI Score with today's spreadsheet. To make a copy of the above spreadsheet, go to File then Make a copy…. In reality, the whole point of financial independence is to have, and feel, freedom. You can create a spread sheet in your computer or grab a pen and paper and write down the following in two columns. Nov 3, 2011 Free: Financial Independence spreadsheet. My second love is travel I recently got a hot tip from a friend I trust and respect. 00 banked to cover that alone! (25 x $50. In order to make simplified calculation, we'll start with your The good financial news keeps rolling in over here at the Our Next Life house. After all, its pretty obvious that retiring by 30 or 40 (or whatever) is out of reach for many people. But requests kept coming, so I decided not to let the perfect be the enemy of the good. Pretty soon, Google Spreadshee financial independence spreadsheet. A FIRE blog - Financial Independence, Retiring Early - Freedom, Fulfillment, & Fun! A FIRE BLOG - Financial Independence, Retire Early - Making Money, Growing Passive Income, & Living with Purpose Navigation Click the Customization tab and personalize the ranges. Money shared a couple spreadsheets for calculating when you can achieve early retirement / financial freedom, I decided to create my own early retirement financial independence spreadsheet calculator to incorporate dividend investing as well as other passive income streams. Attention Financial Independence Group Brokers. (If you’re looking for retirement resources for baby boomers, check out this page instead). Financial Independence is closely related to the concept of Early Retirement/Retiring Early (RE) - quitting your job/career and pursuing other activities with your time. But what does financial independence really mean? In this post I’d like to determine the various levels of financial independence. There is a 30 day money-back guarantee so it’s risk free! If you are powering your way to FI then you need to get yourself some spreadsheet smarts. As an example of my approach to creating a spreadsheet, I’ll assume I am looking at this as a financial independence spreadsheet (so I am ignoring future income such as earnings). Jun 10, 2019 Gasem mentioned that he'd enrolled in an online video course on creating a Financial Independence spreadsheet taught by blogger and math  Sep 9, 2017 So today I'm sharing a simplified version of my own spreadsheet. £500,000 = Financial independence in this scenario. This post will help you figure out your retirement “Life Uninterrupted. It's simple to do with spreadsheet. 8/25/2016. There is a debt payoff worksheet and a debt snowball worksheet, so you can use whichever one suits your needs. Reaching financial independence is the holy grail of personal finance. (the spreadsheet is public but read-only, make a copy in your own Google Drive and tweak the numbers and formulas to your own situation) Read on if you’re interested in my thoughts and philosophies in coming up with this financial model. Basically, the Financial Independence Formula has two parts. Growth is good! Growth means you have your finances under control and you are ready to start making a larger investment in your journey to financial independence. Download. financial independence spreadsheet

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