How much do you need to make work optional?

You earn decent money, but does retirement still feel too far away, or even impossible?

In about 15 minutes, find the number you need, see your gap, and calculate what it will take each month to close it.

Free. Private. No sales call.

The Work Optional Calculator

Stop guessing. Run your numbers.

Enter what your life costs, what you have already built, and when you want work to become a choice. We will show you the number and the gap.

What does your life cost each month?

Use today’s real spending, not a perfect budget.

HousingMortgage or rent, tax, insurance, upkeepLivingFood, cars, health, phones, normal lifeTravel and funThe life part. Do not round down.Family and givingSupport, gifts, education, generosityBufferThings break. Add 10% to 15%.

Monthly lifestyle numberNot ready

What have you already built?

Include the assets already working toward your freedom.

Invested assetsRetirement and brokerage accountsIncome-producing assetsRentals and business equityCash and reservesMoney you could count toward the goal

Working for you todayNot ready

When do you want work to become optional?

Your timeline determines the monthly amount.

Your ageAge work becomes optional

This estimate assumes an 8% average annual return. Actual returns are not guaranteed.

Not ready to run the numbers?

Watch me build the plan.

I’ll show you the exact plan I would follow at your age and income level, with real numbers on screen and every step in the right order.

Watch Work Optional on YouTube ↗

Why listen to Brian?

I’m 55. A millionaire. And work is optional.

I didn’t inherit the money, sell a startup, or hit it big on crypto. I built a plan and followed it. After 25 years in finance, I’ve watched too many people earn great incomes without ever building real freedom. Now I show people aged 35–55 the exact numbers and steps I would use to catch up and make work optional.

Watch more with Brian on YouTube ↗