Your freedom rate is the percentage of your income that goes into investments (your “freedom fund”). Take your annual investments and divide by your annual income. Example: Investing £6,000/year on a £30,000 salary? That’s a 20% freedom rate. This money buys your future freedom, unlike savings which get spent.
Tip: Track it monthly in your gap spreadsheet.
👉 Week 1’s tracking habit pays off here!