Financial Independence Calculator Guide

Create a detailed guide to calculating financial independence numbers. Cover: 1) The basic FI formula (annual expenses x 25). 2) Why 25x and the 4% rule connection. 3) Calculating your actual annual expenses. 4) Adjusting for different withdrawal rates (3%, 3.5%, 4%). 5) Factoring in Social Security and pensions. 6) Coast FI and Barista FI calculations. 7) Time to FI based on savings rate. 8) How lifestyle changes affect your FI number. 9) Sequence of returns risk explained. Include interactive calculation examples and a FI planning worksheet.