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.

After building your financial foundation, it's time to go on offense. In Part 3 of this series, we move from safety to strength by defining your personal "Feel Safe" number and exploring the psychology behind the powerful $100k net worth milestone - the point where your money truly starts working for you.