675 Workdays
CancelFinancial independence in 675 workdays.
This experiment is about achieving financial independence in 675 workdays from now.
The goal is to reach a point where I have enough savings and investments to cover my living expenses without needing to work for a paycheck.
When I hit this goal I won't have enough to splurge on luxurious living. But I'll have enough to live a good, fulfilling life.
I assume 225 workdays per year, which means I'll be working for 3 years. Since I love taking time off for adventure, I have added another 6 months to the deadline. This means the experiment will last 3,5 years.
I have already worked on financial freedom for 4 years. But now that I'm getting closer to my goal, I want to accelerate.
Progress: 16 / 100
I have not updated this project in quite a while. I have also not saved as much as I should have (according to the experiment) in quite a while.
It seems I have changed my mind. I started up this experiment on a whim last fall and the initial burst of excitement was good. But I have reflected more on it over time and I don't think this is the right approach for me.
If I were to follow this experiment I'd have to save too aggressively. Sure, it sounds wonderful to be financially independent in just 3 years. But at what cost?
I have a great job and I'm not sure I'd be better off not working at all. Even if I had the money today I still think I would want to work at least some hours.
And with that in mind it seems more responsible to take it slower. Enjoy the journey a bit. I'll still save a ton. But I won't be as rigid about it as this experiment required.
... I'm actually still on track?
I spent a ton of money the last few months but somehow I'm still following the plan.
November 2025 savings rate: 71%.
This is not accounting for pension payments that are made before I received my pay.
October 2025 savings rate: 59%.
This is not accounting for pension payments that are made before I received my pay.
Fist real deposit for this experiment :)
And we are live!
Is the goal net worth or savings?
I have a savings goal and that is what I'm tracking. Net worth fluctuates and I have less control over that number in the short term.
Of course this means that outside factors could influence whether I have enough money or not at the end of this experiment. But I'll see at that point. For now my goal is just to save as much as I can.
Does this mean quitting work in 3,5 years?
Not necessarily. It means having a job to pay for living expenses becomes optional.
675 workdays in 3 years?
Yes. In Denmark we generally have about 250 workdays a year. With a mandatory 25 paid vacation days for all employees. Some companies have an additional 3-5 extra vacation days.
Even without the extra vacation days that would be 250 - 25 = 225 workdays a year. With full extra days it would only be 220 working days a year (which is my current situation. But I have just assumed 225 for a bit of extra buffer).
Really, the experiment is just about trying to hit my goal in 3,5 years. But 1277.5 days (3,5 * 365) just seems like a much bigger number to me. So I decided to formulate the goal in terms of days worked instead.
The 675 workdays also reflect the fact that I intend to take additional time off without pay. My goal is to work the equivalent of 3 years in 3,5 years. So I have 6 months of buffer to spread out over the 3 years.