This is where the relationship with work and debt fundamentally changes. In Part 4 of this series, the focus shifts to two game-changing milestones: achieving "Net Zero Debt" and calculating a "Relaxed Employment" number - the point where a future retirement is secured, creating immense career flexibility.

Focusing only on a single, giant retirement number can be paralyzing. My approach is different: I use a roadmap of 9 clear milestones to make financial freedom feel achievable. This post introduces that framework, giving you the clarity to move from overwhelm to an intentional plan for your future.