The tool I built to answer my own question: how much can we confidently spend and keep more of it? Now it answers yours.
When I left Meta sooner than I’d planned, I started asking how much we could confidently spend if I stopped working altogether. It took me months to understand not just my living expenses and net worth, but whether all of that translated into how much I could actually spend, without worrying about running out of money. My focus shifted from “how do I grow my career and income” to “how much can I confidently spend today, and how can I make the most of it?”
I’d spent 25+ years as a software and data engineer, so I started with a spreadsheet. It got complicated fast, and no tool would turn it into a real plan: which accounts to draw from, in what order, and what each choice costs. So I built one.
That became Lumifin. It’s how I retired confidently myself, and it funds the life I’m living as I build it into a business to help others do the same.
It can’t give you purpose in retirement. I hope it gives you permission to spend what you saved, on yourself and the people you care about.
Whether retirement is a few years out, arriving sooner than you’d like, or already here, I built it for you.
