💤 The Enough Number

Find the wealth that makes work optional and life free.


Make sure you convert your Monthly Salary(M) to get Annual / Yearly number = M * 12

Net Earning Assets - Assets which produce Cashflows

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⚙️ Adjust Assumptions

Tool assumes US, CA tax rates


Why Enough Number Matters

Most people chase money, promotions, or higher salaries without ever asking the simple question: "How much do I actually need to live life on my own terms?"

Enough Number answers that question. It’s the net assets you need so the income they generate fully replaces your lifestyle expenses / Salary. Once you reach it, work becomes optional — not because you hate your job, but because your money no longer dictates your choices.

Think of it this way: your portfolio becomes your personal paycheck generator. Every month, it deposits enough to cover rent, groceries, travel, hobbies—whatever freedom looks like to you. That’s the point where stress about salary, raises, or job security fades.

Your Enough Number is the wealth that makes work optional and life free.

In other words, when your portfolio can cover your salary (after taxes) for the years you choose, you’ve reached your - *Enough Number*.

Other names:
💤 Pillow Number — Rest easy knowing your income is secure.
🌙 Sleep-Well Number — Your assets do the work for you.
Clock-Out Capital — Retire your paycheck today.
🪜 Asset Ladder Number — Climb assets, not corporate politics.
💭 Dream Number — Work optional, life free.
⚠️ Disclaimer:
This is an educational tool meant to give perspective on your finances. Everyone’s situation is unique — please consult a qualified financial advisor before making any investment or retirement decisions.

Important: We at SecDiver and Sleep Well Investing are not liable for any financial outcomes, decisions, or losses based on this tool. Use it at your own discretion.

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