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.

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.