Freedom Strategy Session

Build a life that works financially — and personally.

Get clarity on where you are today, what you actually want, and the financial path that could help you create more time, choice and freedom.

ABOUT US

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9–5 Freedom Plan™ Calculator

Enter your monthly figures below. The calculator will total each section as you go and show your Salary Dependence Gap, non-salary income coverage and indicative cash runway.

1. Monthly household requirement

Expense	Monthly amount	Helpful prompt
Mortgage / rent	$0 Quick slide: $0–$10k / month $10k	Your regular monthly home loan or rent payment.
Groceries & household	$0 Quick slide: $0–$10k / month $10k	Food, household supplies and regular family essentials.
Utilities	$0 Quick slide: $0–$10k / month $10k	Electricity, gas, water, internet, phones and similar bills.
Transport	$0 Quick slide: $0–$10k / month $10k	Fuel, public transport, registration, servicing and regular vehicle costs.
Insurance	$0 Quick slide: $0–$10k / month $10k	Home, car, health, life and other ongoing insurance premiums.
Childcare / education	$0 Quick slide: $0–$10k / month $10k	Childcare, school fees and regular education expenses.
Debt repayments	$0 Quick slide: $0–$10k / month $10k	Personal loans, credit cards and other required repayments.
Health / personal	$0 Quick slide: $0–$10k / month $10k	Medical, pharmacy, fitness, personal care and similar regular costs.
Lifestyle / subscriptions	$0 Quick slide: $0–$10k / month $10k	Dining out, entertainment, streaming, memberships and recurring lifestyle spending.
Other regular spending	$0 Quick slide: $0–$10k / month $10k	Anything important not already captured above.
Desired monthly saving / buffer	$0 Quick slide: $0–$10k / month $10k	An amount you would ideally keep saving rather than reducing your lifestyle to bare minimum.
Monthly Freedom Requirement	$0

2. Reliable monthly income outside your salary

Income source	Monthly amount	Helpful prompt
Partner / household income expected to continue	$0 Quick slide: $0–$10k / month $10k	Only include income you reasonably expect to continue if your employment changes.
Business income — reliable portion only	$0 Quick slide: $0–$10k / month $10k	Use a conservative recurring amount, not your best month or optimistic forecast.
Investment / rental income	$0 Quick slide: $0–$10k / month $10k	Include only dependable income you are comfortable relying on.
Other reliable income	$0 Quick slide: $0–$10k / month $10k	Any other recurring income likely to remain available.
Reliable non-salary income	$0

Salary Dependence Gap$0

Non-salary income coverage0%

How to read these: Your Salary Dependence Gap is the amount of your monthly Freedom Requirement not currently covered by reliable non-salary income. Coverage % shows how much of that monthly requirement is already covered without your salary.

3. Indicative cash runway

Input	Amount	Helpful prompt
Accessible cash you are comfortable treating as runway	$0 Quick slide: $0–$200k $200k	Cash you could genuinely access if needed. Avoid automatically including emergency reserves you would not want to use.
Indicative runway	N/A

Runway is calculated as accessible cash ÷ Salary Dependence Gap. It is a simple planning indicator only and does not model emergencies, tax, investment volatility, irregular expenses, changes in household income or business risk.

4. Freedom Score

Drag each slider from 1 to 5. The midpoint starts at 3 so you can move through the questions quickly. This is a reflection exercise, not a financial risk rating.

Financial flexibility — room in your household budget

Lower = little room after regular commitmentsHigher = more breathing room in your current spending

1 5 3

Alternative income — reliability outside salary

Lower = most income still depends on employmentHigher = less dependence on employment income

1 5 3

Cash buffer — comfort with accessible reserves

Lower = limited accessible reservesHigher = greater ability to absorb disruption

1 5 3

Direction — clarity on what you'd do with more time

Lower = unclear on your next directionHigher = a clearer next direction

1 5 3

Energy — capacity to build/test alongside work

Lower = very little spare capacity right nowHigher = more realistic capacity to execute

1 5 3

Time control — control over when and where you work

Lower = little control over your work structureHigher = more flexibility already available

1 5 3

Family alignment — shared view of greater work freedom

Lower = limited household alignment so farHigher = stronger household alignment

1 5 3

Confidence to test — willingness to experiment

Lower = hesitant to test new optionsHigher = greater willingness to take small, reversible steps

1 5 3

5. What path are you most curious about?

Choose the option that feels most relevant right now. You are not committing to it — this simply helps identify which direction you may want to explore first.

REDESIGNKeep your career, but change the structure around it — for example fewer days, different hours, more flexibility, a different role or a more sustainable way of working. BRIDGEGradually reduce your reliance on employment while another income source grows — such as moving part-time while building consulting, contracting or another income stream. BUILDKeep your job for now while deliberately building something alongside it, so you can create more options before making a larger change. EXITPrepare deliberately for a full transition away from your current role, with a clearer plan for finances, timing, income and the next chapter.

6. Your 90-day experiment

What is one low-risk experiment that could create information, income, flexibility or momentum?

Your 9–5 Freedom Plan™ snapshot

Monthly Freedom Requirement$0

Reliable non-salary income$0

Salary Dependence Gap$0

Non-salary income coverage0%

Indicative cash runwayN/A

Freedom Score0 / 40

These numbers are simplified planning indicators only. They do not tell you whether it is safe or appropriate to resign, reduce work, borrow, invest or make another major financial decision.

Path you're exploring: Not selected

Your 90-day experiment: Not entered

Keep a copy of your results

Download your personalised PDF, or enter your email address and have a copy sent to you. Profitable Guidance can also receive a CC so your results are available if you book a strategy session.

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Want help turning this into a practical plan?

In a 55-minute 9–5 Freedom Strategy Session™, we can work through your circumstances, options, mindset constraints and next 30–90 days.

55 minutes | $165

Build My Personalised Freedom Plan →

GET IN TOUCH

OUR ADDRESS

500 Terry Francine St. San Francisco, CA 94158

500 Terry Francine St.

San Francisco, CA 94158

Email: info@example.com

Tel: 123-456-7890

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