Loading skill
Install any skill in seconds. Free to start, no credit card required.
Get Started Free →Map a realistic path toward financial independence — the number you'd actually need, your savings rate's massive effect on the timeline, and the honest tradeoffs. Use when asked how do I reach financial independence, explain FIRE, what's my FI number, or plan for financial freedom. Produces an educational read on your rough FI number (and why the savings rate matters more than income), the timeline math at different savings rates, the levers and lifestyle tradeoffs, the different flavors (lean/c
.claude/skills/mohitagw15856-financial-independence-roadmap/SKILL.md| Test case | Without → With | Effect | Δ tokens | Δ turns |
|---|---|---|---|---|
| case-12 | ✗→✓ | ▲ Improved | 13% | 0% |
| case-19 | ✗→✓ | ▲ Improved | 33% | 0% |
| case-02 | ✗→✓ | ▲ Improved | -8% | 0% |
| case-03 | ✗→✓ | ▲ Improved | -17% | 0% |
| case-21 | ✗→✓ | ▲ Improved | 54% | 0% |
Financial independence — having enough that work becomes optional — sounds like a fantasy until you see the math: it's driven far more by your savings rate than your income, because a high savings rate both builds the pot faster and shrinks the pot you need. This gives an educational roadmap: your rough number, how savings rate bends the timeline, the flavors of FI, and the honest tradeoffs. Not financial advice.
Ask for these if not provided:
Rough FI number: ~illustrative multiple of spending] — a target, not a guarantee. The big lever — savings rate: how it bends the timeline more than income]. Years to FI (rough): at rate A] ~years] · at rate B] ~years]. Flavors: lean / coast / partial / full — which might fit you]. The honest tradeoff: saving hard now vs living now — finding balance]. Traps: lifestyle inflation · over-optimistic assumptions · number-as-the-point.
> Educational, not financial advice. Numbers are illustrative rules of thumb; real returns, tax, and safe-withdrawal rates vary by situation and country.
| Case | Status | Duration (ms) | Turns | Tokens | Tool calls | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Without | With | Δ | Without | With | Δ | Without | With | Δ | Without | With | Δ | ||
case-09 | pass→pass | 19,664 | 20,781 | +6% | 1 | 1 | 0% | 2,438 | 3,581 | +47% | 0 | 0 | — |
case-10 | pass→pass | 20,166 | 20,443 | +1% | 1 | 1 | 0% | 2,564 | 3,673 | +43% | 0 | 0 | — |
case-11 | pass→pass | 12,246 | 19,852 | +62% | 1 | 1 | 0% | 1,981 | 3,426 | +73% | 0 | 0 | — |
case-12 | fail→pass | 22,427 | 18,003 | -20% | 1 | 1 | 0% | 3,062 | 3,475 | +13% | 0 | 0 | — |
case-18 | pass→pass | 21,248 | 29,221 | +38% | 1 | 1 | 0% | 2,946 | 4,391 | +49% | 0 | 0 | — |
case-19 | fail→pass | 18,499 | 25,081 | +36% | 1 | 1 | 0% | 3,182 | 4,231 | +33% | 0 | 0 | — |
case-02 | fail→pass | 31,742 | 21,060 | -34% | 1 | 1 | 0% | 4,835 | 4,442 | -8% | 0 | 0 | — |
case-01 | fail→fail | 36,497 | 24,669 | -32% | 1 | 1 | 0% | 4,703 | 4,652 | -1% | 0 | 0 | — |
case-03 | fail→pass | 34,182 | 25,208 | -26% | 1 | 1 | 0% | 5,063 | 4,196 | -17% | 0 | 0 | — |
case-04 | fail→fail | 15,745 | 22,373 | +42% | 1 | 1 | 0% | 1,765 | 3,846 | +118% | 0 | 0 | — |
case-05 | pass→pass | 19,352 | 19,897 | +3% | 1 | 1 | 0% | 2,414 | 3,572 | +48% | 0 | 0 | — |
case-06 | pass→pass | 22,903 | 13,273 | -42% | 1 | 1 | 0% | 2,964 | 3,324 | +12% | 0 | 0 | — |
case-07 | pass→pass | 18,825 | 17,502 | -7% | 1 | 1 | 0% | 2,151 | 3,514 | +63% | 0 | 0 | — |
case-08 | pass→pass | 19,795 | 14,170 | -28% | 1 | 1 | 0% | 2,337 | 3,187 | +36% | 0 | 0 | — |
case-13 | pass→pass | 28,282 | 21,409 | -24% | 1 | 1 | 0% | 3,613 | 3,635 | +1% | 0 | 0 | — |
case-14 | pass→pass | 19,540 | 22,021 | +13% | 1 | 1 | 0% | 2,415 | 3,934 | +63% | 0 | 0 | — |
case-15 | pass→pass | 16,940 | 24,477 | +44% | 1 | 1 | 0% | 2,602 | 4,212 | +62% | 0 | 0 | — |
case-16 | pass→pass | 20,620 | 18,975 | -8% | 1 | 1 | 0% | 2,453 | 3,214 | +31% | 0 | 0 | — |
case-17 | pass→pass | 21,295 | 24,953 | +17% | 1 | 1 | 0% | 3,425 | 4,420 | +29% | 0 | 0 | — |
case-20 | fail→fail | 24,216 | 25,112 | +4% | 1 | 1 | 0% | 3,236 | 3,927 | +21% | 0 | 0 | — |
case-21 | fail→pass | 22,025 | 17,787 | -19% | 1 | 1 | 0% | 2,853 | 4,383 | +54% | 0 | 0 | — |
case-22 | fail→pass | 21,198 | 23,747 | +12% | 1 | 1 | 0% | 2,869 | 3,901 | +36% | 0 | 0 | — |
DecimalAI ran this skill against gemini-3.6-flash twice over the same eval suite — once with the skill loaded and once without — and compared the two runs case by case. 22 cases were attempted. The headline lift of +27 percentage points is the difference between those two pass rates over the 22 comparable cases.
Without the skill loaded, the model failed this case. With it loaded, the same prompt on the same model passed. This is one improved case from the latest verified run; every case, including any that regressed, is in the table above.
Other measured skills in the registry, with their headline benchmark lift.