About

Independence Imagined was a long time in the making.  It all started when I was around 30 years old and wondered what my retirement savings would look like at future ages.

I was well versed in excel and began a spreadsheet to do just that.  I understood immediately that understanding the average future growth of my investments had to be a variable.  It was very simple to now calculate future values of my retirement savings at various ages.

Of course, the next question is exactly what does that mean in monthly income at various retirement ages.  Oh, I need to add in Social Security to really get a good picture.  Well, that does me no good if I don’t have the ability to vary my withdrawals and understand how that affects my total retirement account balances at future ages.

Natural evolution required I understand my house note and if I could afford to pay extra and get rid of the note appreciably sooner.  A couple of decades later and I’m the proud papa of a bouncing baby workbook that is simple to operate, but fairly involved.

Click on the button below to go to “How it Works” for some insight on the workbook itself.