Most clinicians are “investing” with no idea what number they’re actually trying to hit.

In this solo episode, Kristin walks through the simplest way to calculate your financial independence number using inflation, a retirement income target, and the classic 4% rule—so you stop guessing and start building a plan that actually works.

Inside, you’ll hear:

• What financial independence really means (it’s not a vibe, it’s math)
• Why ignoring inflation is the mistake that quietly wrecks retirement plans
• A simple example that lands at a $5.5M target number (and how it’s calculated)
• Why “replace expenses” can backfire for both high spenders and new grads
• The hidden costs people forget to plan for (healthcare + long-term care)
• Why investing fees matter more than most people realize when you run  ...