Finance With Phil

A Finance With Phil tool

What's your real
freedom numbers?

When I was getting started, I was so worried about what made sense that I just tried everything. I built this for everyone like me who is still trying to figure it out: see your real numbers, walk up the ladder, and leave with a plan in about 30 seconds.

Start with my time

Runtime: about 30 seconds · Your numbers stay on this device

Your freedom ladder
3 questions · about 30 seconds

What's your monthly take-home pay?

What actually lands in your account each month, after tax. This is the income we will help you replace.

$

What does your current month cost?

Your real spending today, not the dream version. The gap between this and your take-home is your building power.

$

In your dream life, what would your monthly budget look like?

Everything you would happily spend each month to live the life you actually want. Be honest, not modest. One rough number is fine, you can itemize it later.

$

More free tools

Then make it real

Tool 2 · Paths

How could you get there?

Nine ways to replace your income, sized to your number: what each costs to start, how fast it pays back, and how risky it is for someone with your experience.

Open the paths tool Tool 3 · Fit

Which path is actually yours?

Business or paycheck? Ikigai questions, three honest tiebreakers, and the full power test for committing once you choose.

Open the fit questions

The philosophy

Freedom comes in levels

You do not have to get rich to get free. You climb. Each rung makes work a little more optional than the one below it.

01

Half free

Replace half of your income from something other than your job, and half your week opens up. This is the first taste, and it is the cheapest rung on the ladder.

02

Fully free time freedom

Replace all of your income. You still make the same money, but you no longer have to show up. Most people never realize this milestone exists, let alone that it comes before getting rich.

03

Lifestyle freedom

Now fund the life you actually want, not just the one you have. Family, travel, giving, the whole picture, paid for monthly or sitting in a nest egg that never runs dry.

"I kept meeting people who thought their number was huge and far away. Almost every time, once we did the math, time freedom was closer than they ever believed. That conversation is what this tool is."

Phil, Finance With Phil