The 10-Step Financial Independence Checklist
An 6-page roadmap: ten concrete steps in the right order, with realistic timelines and the math behind each one. Free, no email required.
The roadmap I wish someone had given me at 22
You know that feeling when you read a personal finance article, get fired up for 20 minutes, and then nothing changes? Most FI content is abstract — save more, invest in index funds — without a sequence to actually follow.
This checklist fixes that. Ten concrete steps in the right order, with realistic timelines, the tools worth using, and the math that makes the case for each step.
What's inside
- Step-by-step build order — what to do first when you're starting from $0
- The $1,000 emergency buffer before everything else — why this single move stops the bleeding
- The 401(k) match math — calculated for you, no ambiguity
- Avalanche vs. Snowball — pick the debt strategy that fits your psychology
- The Roth IRA case for millennials — why it beats every other tax-advantaged account under 35
- Your FI number — the formula that tells you exactly how much you need
- The automate-everything framework — set it once, let compounding do the rest
Six pages. Written to be read in 20 minutes and acted on the same day.
No email, no catch
This used to sit behind a newsletter signup. It doesn't anymore — ZarWealth no longer runs a mailing list, so asking for your address would be collecting something nobody is going to use. Just download it.