The Retirement Freedom Roadmap

A 6-phase guide to prepare for financial freedom and peace of mind in retirement. Follow each phase step by step or start where you are.

Phase 1 — Assess Your Situation

Calculate your net worth, track expenses, estimate retirement costs, and create a zero-based budget to give every dollar a purpose.

Visualize your ideal lifestyle and set SMART goals that are specific, measurable, and motivating for the journey ahead.

Maximize retirement accounts, diversify your portfolio, delay Social Security if possible, and explore passive income opportunities.

Prioritize high-interest debt, explore consolidation or refinancing, and decide whether to pay off your mortgage early or keep investing.

Prepare for the psychological transition, pursue hobbies and passions, maintain strong relationships, and focus on health and well-being.

Review your plan annually, consult with professionals when needed, and establish a withdrawal strategy that fits your lifestyle.

Short on time? Get the 2-page Quick Checklist — the essential actions and motivational reminders from all 6 phases, on one printable sheet.