Wealth DecodedLife by design,
not by default.

What's your Freedom Number?

A planning estimate for when work becomes optional: your yearly cost of life × 25. ×25 and ×30 are planning multiples, not predictions. The calculator assumes an 8% annual return compounded monthly and ignores inflation, taxes, and fees. Your number is a target to plan toward, not a date.

Assumed annual return: 8%, compounded monthly. Investments are added at the end of each month. This is a projection, not a guaranteed return; it excludes inflation, taxes, and fees.

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Your Freedom Number

Floor: yearly cost of life ×25
Not applicable
Fortress: yearly cost of life ×30
Not applicable
Years to your Floor
Not applicable

Get the printable 4 Choices Map and the Freedom Number worksheet

Email support@wealthdecoded.com and we'll send it to you.

4 Choices for Gen Z

For ages 16-29. Student only: $299. Family Support add-on: $499 total, including up to four parents or grandparents supporting the same student and a Parent Guide. Lesson 0 plus 13 lessons, 13 to 20 minutes each, plus short recorded exercises that walk through the tools on paper or in the app. Field Guide. The 4 Choices Story companion series. Saturday office hours with Coach DJ. 30 days of the Wealth Decoded app and the Wealth Decoded Community.

See the course

18-Year Advantage

Give your child a head start. Teach them how to use it. The new federal 530A account (the "Trump account"), explained, and a kid who grows up knowing how to use the money.

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4 Choices Restart

First cohort starts January 16, 2027. Saturdays at 1 p.m. Eastern, with recordings. $599 regular price. Enroll now.

→ See Restart

Every course includes Saturday office hours for 90 days (at your leisure courses: from purchase; cohort courses: from the cohort start date). After 90 days, office hours continue for as long as you are a member of the Wealth Decoded Community.