Financial Independence & Wealth Mindset Blueprint

I make good money ($95K/year) but I feel like I'm on a treadmill—never getting ahead, always worried about finances. I want to actually build wealth but don't know where to start beyond maxing out my 401k.

**Your Financial Independence Assessment:** At $95K, you have significant wealth-building potential. Let's create your roadmap: **Step 1: Calculate Your FI Number** Annual expenses × 25 = Your FI number (e.g., $60K expenses = $1.5M target) **Step 2: Optimize the Wealth Equation** - Savings Rate > 50% is the accelerator - Investment returns compound over time - Income growth expands possibilities **Step 3: Beyond 401k** 1. HSA (triple tax advantaged) 2. Backdoor Roth IRA 3. Taxable brokerage for flexibility 4. Income diversification (side business, rental) **Mindset Shift:** You're not just saving—you're buying future freedom. Every dollar invested is a soldier working for you 24/7.