Strong
Financially Excellent
Mortgage paid, no consumer debt, ~12 months of expenses in cash, and a substantial investment portfolio. Effectively work-optional.
Position is robust across every dimension. Focus shifts from accumulation to preservation, tax efficiency, and intentional giving.
// Snapshot
Net worth
$1,390,000
Free cash flow
$3,480/mo
41.4% of net income
Liquidity
13.2 mo
cash ÷ total expenses
Net income
$8,400/mo
Example data — calculated using the same logic as your inputs.