Financial Independence Tracker

The Number

Financial independence = annual expenses × 25 (4% rule). Track progress toward this quarterly.

Income Streams

Stream	Type	Status
Day job / consulting	Active	Running
SaaS / digital products	Active	Building
Content / education	Active	Planning
Real estate	Passive	Research phase
Investments	Passive	Dollar-cost averaging

Monthly Tracking Template

[Month]:
  Income: $____
  Expenses: $____
  Savings rate: ____%
  Net worth delta: $____
  Runway (months): ____

Rules

• Pay yourself first — automate savings before spending
• Track net worth monthly, not daily (prevents anxiety)
• Oracle agent monitors and flags anomalies

How the Oracle Agent Uses This

The Oracle agent (domain 30) reads this note for financial context. During heartbeat, it can pull data from connected accounts and flag if savings rate drops below target.