In the final part of this series, the focus shifts to the ultimate goals. This post defines the numbers that complete the dream: the "Key Bill" passive income that covers a major expense, the Financial Independence (FIRE) number that makes work truly optional, and the “Big Dream” fund.

My financial journey has taught me that a strong defense is the key to peace of mind. This post is about building that foundation. I'll walk you through the practical steps to calculate your Emergency Fund and your Debt-Free numbers—the two most powerful milestones for reducing financial anxiety and reclaiming your future.