Good evening, Marcus ๐Ÿ‘‹

Here's how March treated your freedom timeline.

Viewing:
Days Moved ยท March 2026
Core Metric
+23
days closer to financial independence

Your savings rate held at 51% and market returns added fuel. A strong month โ€” you outpaced your 12-month average of +18 days by 28%.

+247
YTD Days
3.4y
FI Horizon
Apr '29
Target Date
Clearpath's Read on March AI Narrative

Your freelance income jumped +$4,200 in March โ€” that single variable accounts for 11 of your 23 days gained. If both contracts renew in Q2, you could hit your best quarter ever at +90 days. Watch your dining spend: it crept up 18% over 3 months and is quietly eroding ~2 days/month.

Net Worth +2.9%
$487,240
+$13,640 this month
Savings Rate +3 pts
51%
12-mo avg: 47.8%
0%Goal 55%100%
FI Number 25ร— spending
$2,125,000
$85K/yr target spend
Progress 22.9%
Monthly Surplus โ†‘ $4.2K
$14,820
of $29,100 take-home
Income
$29,100
Expenses
$14,280

Days Moved โ€” Rolling 12 Months

Each bar = days closer to FI gained that month

Positive Negative
+14
Apr
+22
May
โˆ’8
Jun
+11
Jul
+19
Aug
+25
Sep
+17
Oct
โˆ’3
Nov
+20
Dec
+18
Jan
+21
Feb
+23
Mar
12-mo total: +179 days Best month: Sep (+25) Negative months: 2 of 12 Trend: โ†‘ accelerating

Asset Allocation

Mar 2026
$487K total
Brokerage
$234,080
48%
401(k)
$170,530
35%
HYSA
$58,470
12%
Crypto
$24,160
5%
Total Liabilities โˆ’$0
โœ“ Zero debt โ€” adds ~4 days/mo vs median

Income Sources โ€” March

W2 Salary $14,200
Freelance A $8,400
Freelance B $5,600
Dividends $900
Total take-home $29,100

Expense Watch

vs. 3-mo avg
๐Ÿฝ๏ธ
Dining Out
+18% vs avg ยท โˆ’2 days
$1,840
โœˆ๏ธ
Travel
+9% vs avg ยท seasonal
$2,200
๐Ÿ 
Housing
โˆ’2% vs avg ยท on track
$3,850
๐Ÿ“ฑ
Subscriptions
โˆ’5% vs avg ยท trimmed 2
$314

FI Projection Scenarios

Conservative ยท 6% real return 47%SR
Apr 2030
4.0 yrs
๐Ÿ“ Base Case ยท 7% real return 51%SR
Apr 2029
3.4 yrs
Optimistic ยท 8% + 55% SR 55%SR
Oct 2028
2.7 yrs

Hitting 55% savings rate for 6 consecutive months unlocks the optimistic scenario โ€” saving 8 months of work life.

Projections use constant real-return assumptions. Clearpath does not provide financial advice. ยท Next entry window opens Apr 28 โ€“ May 3