If you stopped working tomorrow, how long would your lifestyle survive?
Most people have no idea what it truly costs to stop working. Find out your Freedom Number in 60 seconds.
What does your life cost today?
Enter your total monthly expenses — mortgage, lifestyle, debt payments, giving. Everything that goes out the door each month.
What does your ideal retirement look like?
Most people want to spend more in retirement — travel, grandkids, bucket list moments. Don't underestimate this number.
What's already working for you?
Be honest here — this is where most high earners discover their blind spot.
Here's your financial reality.
Most people have never seen these numbers side by side. Now you have.
There are actually two problems to solve. Most people only see one.
WMG's Income Fund targets 10% annual returns. Here's what that means for your gaps.
Drag the slider to see what you could generate with what you have today — and how much of your gap it closes:
Send Me My Freedom Number Report
Enter your details and we'll send your personalized assessment straight to your inbox — plus how WMG's Income Fund can help close your gap.
What is a Freedom Number in investing?
Your Freedom Number is the monthly passive income your investments need to generate to fully cover your lifestyle expenses, making work optional rather than mandatory. It's calculated by taking your ideal monthly retirement lifestyle cost and determining how much invested capital, at a given return rate, would be required to produce that income indefinitely.
How do I calculate my retirement income gap?
Your retirement income gap is calculated by subtracting your current monthly passive income from your total monthly expenses. For example: if your monthly expenses are $15,000 and your passive income is $2,000, your income gap is $13,000 per month, meaning your investments need to generate $13,000/month for work to become optional.
What is the difference between income gap and freedom gap in retirement?
The income gap is the shortfall between your current monthly expenses and your passive income, what it would take to maintain your lifestyle today without working. The freedom gap is larger, it's the shortfall between your ideal retirement lifestyle and your passive income. Both matter: closing the income gap gives you financial safety; closing the freedom gap gives you financial freedom.
How long would my savings last if I stopped working?
To calculate how long your savings would last if you stopped working: divide your total liquid savings by your monthly income gap (monthly expenses minus passive income). For example: $300,000 in savings ÷ $12,000/month gap = 25 months. The Freedom Number Calculator above runs this calculation automatically.
The Retirement Reality:
Most High Earners Are Not on Track
If you stopped working tomorrow, your retirement “strategy” gets tested in one week: the next billing cycle. That’s the test most people never run. And the data says most would fail it.
The Numbers Are Uncomfortable
The Center for Retirement Research at Boston College publishes the National Retirement Risk Index (NRRI), one of the most cited benchmarks in retirement planning. The finding that keeps showing up: roughly half of all working-age households are at risk of not maintaining their pre-retirement standard of living.
And this isn’t just a low-income problem.
The NRRI measures this with a concept called the replacement rate, your retirement income as a percentage of your pre-retirement income. When the replacement rate falls below what’s needed to sustain your lifestyle, you’re “at risk.” Even among high earners, the gap is real.
And then there’s the Social Security question, which we’ll set aside for now, except to say: it was never designed to be anyone’s entire plan.
The Freedom Number
(One Calculation Most People Never Do)
Your Freedom Number is the monthly income your investments must produce for work to become optional.
Freedom Number (monthly) = Monthly lifestyle cost – Reliable monthly income
“Reliable” means income that doesn’t depend on market mood, such as:
Social Security
A pension (if you have one)
Contracted income streams you can underwrite (in plain English: you can evaluate the borrower, the collateral, and the terms)
Example:
Lifestyle: $18,000/month
Reliable income: $5,000/month
Freedom Number: $13,000/month
People Can Feel The Income Gap Widening
NIRS found 79% of Americans say the country faces a retirement crisis, and inflation is a major accelerant of that concern. Inflation doesn’t just raise prices. It raises your Freedom Number every year you ignore it. And volatility creates a brutal retirement problem: sequence risk.
Sequence risk means if markets drop early in retirement while you’re withdrawing, you can permanently damage the portfolio’s ability to recover. It’s the difference between “good average returns” and good outcomes.
Why We Care About This Work
We’re passionate about income because the moment work becomes optional, life gets lighter. Not because you “retired early.” Because your family stops depending on your next shift, your next deal, your next quarter. You’ve got a target now. Build your passive income and keep living while you do it.
Freedom is a math problem solved with consistency, not a lottery ticket won with optimism.
Start Your Wealth Mission Here
STEP 1:
Fill out the form
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STEP 3:
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SITE DISCLAIMERS
Information provided by Wealth Mission Group, LLC (“WMG”) is for informational purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any securities. Any offering is made solely through official offering documents, including a Private Placement Memorandum (PPM), and only to accredited investors pursuant to Regulation D, Rule 506(c). Past performance is not indicative of future results. All investments involve risk, including the potential loss of principal.