Your Freedom Figure: The Fast-Track to Financial Independence

Jun 20

Let’s talk about the number that puts you back in control.

Your Freedom Figure is the amount of money you need invested to give yourself options — the freedom to walk away from anything that drains you, limits you, or no longer aligns with the life you’re building.

It’s not just about quitting a job you don’t love — it’s about creating the ability to choose how you spend your time, where you work, who you say yes to, and how you live.

This number = peace, power, and possibility. And the best part? You have more control over how and when you reach it than you might think.

So, How Do You Calculate It?

Enter: The 25x Rule
Here’s the simple formula:

Take your annual living expenses and multiply them by 25.

This gives you a solid estimate of what you’d need invested to live off your money indefinitely (based on the 4% safe withdrawal rule). Example:

Spend $50K/year → Freedom Figure = $1.25 million
Spend $75K/year → Freedom Figure = $1.875 million
Spend $100K/year → Freedom Figure = $2.5 million

Sounds like a lot? Don’t panic. Because here’s the truth most people miss…

You Don’t Need to Save That Much — You Need to Invest It

Trying to save your way to seven figures will take forever.
But investing? That’s where the magic happens.

When you invest your money — whether through shares, property, or funds — it starts to grow on its own through compounding returns. That’s how you build wealth faster.

Look at this:

Invest $1,500/month at 10% → You could reach $1.1 million in 20 years
Invest $500/month at 10% → That’s $300K in 20 years

Your investment rate doesn’t just influence how much you accumulate — it determines how fast you get there.

More Investing = Less Needed & Less Time

Here’s what most people don’t realise: the more you invest, the less you’ll need to reach your goal — and the sooner you’ll get there.

Example:
Person A

Saves just 5% of income
Needs $1.78M invested
Reaches it in 41 years

Person B

Saves 30% of income
Needs $1.31M
Reaches it in 21 years

That’s 20 years saved and nearly half a million less required — just from being more intentional with investing.

There is no need for extreme budgeting or sacrificing joy. Just chose not to overpay for things you don’t truly value.

Why pay premium rent when you could live beautifully for less and invest the difference?
Why finance a luxury car when a quality one gets you there just the same — and frees up thousands to invest?
Why throw money at things that don’t move the needle when you could put that cash towards freedom, travel, and lifestyle upgrades that you actually care about?

Every smart money choice is a step closer to your Freedom Figure.

So… How Soon Do You Want to Hit Your Freedom Figure?

You can choose to wait 30–40 years to reach it… or start now and collapse that timeline dramatically.

And the best part? You don’t have to figure it all out alone.

In my eBook, Your Garden of Eden: Create Your Own Financial Freedom, I walk you through: