The Homefire Financial Independence Journal

Independence is a floor under your family, not a yacht.
Take what your family lives on for a year and multiply by 25 — a rule of thumb, not a promise

Your Number

General education from a 30-year CFO, not investment, tax or legal advice. 7% is a planning average; real years vary.

Nobody jumps to independence — you climb it. Tap where you are.

The Six Stages

Beliefs decide actions, actions decide results

Money Beliefs

The full story audit is the Money Mindset Workbook.

Five boxes, not a personality transplant

New Money Habits

A goal you can measure, on a date, for a reason

One SMART Money Goal

Consumer debt with a high rate is the leak in the boat

Debt: Snowball or Avalanche

Hours traded vs. arrives anyway — independence is the second column growing

Income: Active and Passive

Start of month, end of month, the change

Savings Tracker

The rate stays the same; the dollars grow faster every year

Compound Interest, Plainly

Rule of 72: divide 72 by the rate for the years to double. General education, not investment advice.

Done when the first thing here is done, not when the last page is read

Taking Action