Get the 10-Step Financial Independence Checklist
Free 11-page PDF roadmap to financial independence. Subscribe to ZarWealth and get instant access plus weekly money tips.
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. It's 10 concrete steps in the right order, with realistic timelines, the tools I use, 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 — and why this single move stops the bleeding
✅ The 401(k) match math — calculated for you, no ambiguity
✅ Avalanche vs. Snowball debt strategies — pick the one that actually fits your psychology
✅ The Roth IRA case for millennials — why this account beats every other tax-advantaged account when you're under 35
✅ Your FI number — the formula that tells you exactly how much you need to retire
✅ The "automate everything" framework — set it once, let compound interest do the rest
11 pages. Designed to be read in 20 minutes and acted on the same day.
How to get it
Subscribe below — it's free, no credit card, no commitment. You'll get:
- Instant access to the FI Checklist PDF (link in your welcome email)
- Weekly money tips delivered to your inbox (one email per week, unsubscribe anytime)
- Early access to my future free spreadsheets and guides
Want to know more about ZarWealth before subscribing?
That's fair. Read a couple of articles first:
- How to Build a $1,000 Emergency Fund Fast
- The FIRE Movement Explained: Can You Retire at 45?
- Tools I Recommend
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