Aegis Freedom

Financial independence in three tiers — Survival, Comfort, Luxury.

EUR defaults, 4% SWR with compounding, and a clear inversion point when your passive income overtakes contributions.

Inputs
Freedom tiers
Survival€1,000
Comfort€2,500
Luxury€5,000
Annual Passive Income vs ExpensesAvailable: €4,000 / yr
Survival Target: €12,000/yr€4,000 covered (33%)
Comfort Target: €30,000/yr€4,000 covered (13%)
Luxury Target: €60,000/yr€4,000 covered (7%)
Backpacker's perspective: A €10k trip would normally last 10.0 months at your Survival spend rate. Thanks to your assets generating €333/mo, the trip stretches to 15.0 months—giving you an extra 5.0 months of adventure!
Effort vs Momentum
Survival: Year 16Comfort: Not yetLuxury: Not yet
The Autonomy Equation

Financial autonomy is a ratio, not a pile of cash. Three dimensionless numbers that expose the quality of wealth — no absolute figures required.

Savings Rate (Sᵣ)10.0%
derived from your inputs above
Flow-to-Stock (Fₛ)5.0%
derived — salary is a rounding error in your portfolio
Expense Rate (Eᵣ = 1 − Sᵣ)90.0%
Critical Return Rate
45.00%

Your portfolio needs to return 45.00% per year before your labour becomes mathematically optional.

You are a slave to market returns. Any correction threatens your runway.

Rcrit = (Eᵣ × Fₛ) / Sᵣ = (90.0% × 5.0%) / 10.0% = 45.00%
Freedom Multiplier
2×

M = Sᵣ / (Eᵣ × Fₛ) = 1 / Rcrit

< 10×Vulnerable◀
10–25×Coast FIREIn 23.9 yrs at your SWR 4.0% ↑
25–33×Standard FIRE
33–150×Conservative FIRE
150×+Post-Economic

Entirely dependent on your flow — job loss ends the game.

Calibration Script
1. Burn Rate (Eᵣ)

“Forget the salary — what percentage of your take-home is lost every month to just existing?”

Yours: 90.0% expense rate. Over 50% — you're a high-paid tenant of your own life.

2. Capital Velocity (Fₛ)

“If you stopped working today, what percentage of your total wealth would your annual savings represent? Is your salary a rounding error yet?”

Yours: 5.0% flow-to-stock. Salary is a rounding error in your portfolio.

3. Critical Return (Rᵣ)

“What's the minimum yield your assets need to hit so you never have to see a boss again?”

Yours: 45.00%. Over 5% — you're highly leveraged against the market, not free.

Three questions. No absolute numbers revealed. Just the math the story usually lacks.