Wealth & Financial Independence
Build a plan that can survive real life.
Models and source-backed guides for accumulation, withdrawal strategy, family finance, real estate, risk management, and the decisions that shape when work becomes optional.
Explore the system
Financial independence is more than one number.
Use these lanes to move from a broad goal to the assumptions, risks, and decisions that drive the plan.
FI planning
Savings rate, spending, Coast FI, Portfolio FI, scenario design, and the control loop behind the number.
Start with Coast FIWithdrawal strategy
Safe withdrawal rates, sequence risk, Roth conversions, RMD pressure, taxes, and healthcare tradeoffs.
Revisit the 4% ruleFamily finance
Optionality, child-related costs, one-income risk, and designing an FI plan around a real household.
Read the family FI seriesInvesting & risk
Portfolio assumptions, concentration, options education, downside planning, and decision discipline.
Browse investing articlesReal estate
Underwriting, cash flow, financing assumptions, cap rate, IRR, and the role of housing in the FI system.
Explore Deal AnalyzerAI & future of work
Income disruption, household resilience, policy uncertainty, and how FI assumptions change when labor markets shift.
Read the AGI resilience seriesFlagship planning tool
FI Architect
Model income, expenses, investments, debt, taxes, inflation, real estate, and retirement assumptions in one scenario system.
Real estate tool
Deal Analyzer
Evaluate a property without rebuilding the underwriting model each time.
Prefer a spreadsheet?
Own the model and work in the file.
The NJL Shop includes FI planning, debt payoff, budget, and net worth spreadsheet systems with Etsy checkout and delivery.