Replace Employment Income Gradually

Plan a gradual, measured transition where portfolio and business cash flow replaces earned income.

1. 1

   Measuring Employment-Income Dependency≈ 13 min

   Quantifying how much of the household's obligations depend on continuing employment.

2. 2

   Working With the Coverage Ratio≈ 13 min

   Using coverage as the framework's primary progress metric and understanding what moves it.

3. 3

   Phased Replacement Milestones≈ 13 min

   Defining intermediate coverage milestones so progress produces real optionality long before full replacement.

4. 4

   Sequence Risk During Transition≈ 14 min

   Why the order of good and poor periods matters enormously once withdrawals begin, and how the framework reduces exposure to it.