Replace Your Salary With Remote Income in Twelve Months

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You have run the math in your head a hundred times, usually at 11 p.m., usually badly. You take your salary, divide by twelve, and tell yourself that is the number. That is the number you would need to replace. And then you close the tab, because the number feels enormous and the plan feels imaginary, and besides, you have a meeting in the morning. Here is the problem: that number is wrong. It is wrong because it ignores what your employer quietly pays on your behalf, and it is wrong because it ignores what you will owe once nobody is withholding anything for you.