Assumes an equal cash / gold / crypto / US-equities split with rough long-run returns. Not financial advice.
What financial freedom means here
The idea
Material needs have a ceiling. Once your passive income (investment returns) covers your material wants (annual spending), you are financially free — so desire decides when you are free: the lower the desire, the sooner it comes.
How this calculates
Your principal is split equally into four parts — cash, gold, crypto, Nasdaq & S&P — each with a conservative annual return, blended into one rate. Rolling year by year from your current age: balance = balance ×(1 + blended return) − that year's spending.
Three outcomes
Money runs out before 90 = not yet free; it lasts to 90 = financially free; the principal is still intact at 90 (living purely off returns) = free, and then some.
Inflation & disclaimer
Inflation is a separate switch: on, your spending rises with it each year; off, price growth is ignored and the result is optimistic. All returns are rough assumptions — this tool is for reference only, not financial advice.