Your Set-For-Life Number Calculator + Workbook

If you've ever wondered "how much do I actually need to retire?" or felt like the goalpost keeps moving every time you hit a savings milestone, this workbook is for you. Most people chase round numbers like $1 million or $2 million without understanding what those numbers actually buy them in real life—or how long it'll take to get there at their current pace. They don't account for social security, they underestimate how portfolio swings will feel, and they definitely don't know if their money will out-earn their contributions yet. This workbook walks you through seven concrete exercises that do what generic retirement calculators can't: they force you to define your real income needs, calculate your personal "set-for-life" number using the 4% rule, map your current trajectory, and stress-test your plan against the market drops that will happen. You'll figure out if you're on the 10-year path or the 40-year path, identify the income stair-steps that matter most, and get clear on whether your boring index fund strategy is actually enough—or if you need to course-correct now. I've spent years breaking down these milestones for millions of followers, showing what actually changes at $1M, $2M, and beyond. This isn't theory; it's the same framework I use to evaluate my own financial position and help others get brutally honest about where they stand. By the end of this workbook, you'll have a number you trust, a timeline you can believe in, and a plan that won't fall apart the first time your portfolio dips 20% in a year.