For Parents & Entrepreneurs Under 40
Cash Flow Independence Score
Not “will my money last”. “what happens if I stop working.” See how much of your household expenses are already covered by cash flow that doesn’t depend on you showing up to earn it, and run thousands of market scenarios to see how likely you are to get to full independence.
Cash flow vs. income. What’s the difference?
Income is what you earn by working. A salary, a paycheck from a business you actively run. It stops the day you stop showing up. Cash flow is money that shows up whether you work that day or not. Dividends, rental income, distributions from a business you don’t have to run day-to-day, or a policy loan against cash value life insurance. Your Cash Flow Independence Score is the probability, across thousands of simulated market scenarios, that your independent cash flow grows to fully cover your expenses within your chosen time horizon.
About you & your expenses
Active income
Shown for context. This is labor-dependent, so it isn’t part of your score
Income-producing assets
These are what your score is built on
Assumptions
How your invested balance is assumed to grow
Your independence probability
Updates live as you adjust the numbers
- Median year to independence
- Year 22
- Scenarios that never got there
- 37%
- Today's coverage ratio
- 36%
- Today's monthly gap
- $3,531
In plain terms: about 36% of every dollar you spend each month already shows up whether you work that day or not. The rest . $3,531 a month. Still depends on you showing up to earn it.
Coverage ratio over time
10th–90th percentile range across all simulations. 100% means expenses fully covered by independent cash flow
Today’s independent income sources
Monthly, before any market growth is applied
Also want the full decumulation picture?
Run your Retirement Clarity Score to see if your savings last through retirement.
Important information
Educational illustration only, not financial, tax, legal, or insurance advice. This tool runs a Monte Carlo projection of your income-producing balances, rental and business income, and cash value life insurance under the market, business, and rental volatility assumptions shown above, plus your chosen inflation rate. Cash value life insurance growth uses a simplified floor/cap crediting assumption and the sustainable draw rate is an illustrative planning assumption. Neither is a policy illustration from any insurance carrier or a guarantee of actual policy performance. Salary and active business income are shown for context only and are not part of the independence calculation. Actual results will vary and are not guaranteed. BE WELLthy is not currently a licensed securities professional or investment adviser. Consult a licensed financial, tax, legal, or insurance professional before making any decisions based on this tool.