Enter half of your lifestyle spending.
Once your basic needs are covered, the next step is vitality. Financial Vitality means you can afford to enjoy life a bit more—things like dining out, shopping, hobbies, and self-care. It's the buffer that makes life not just livable, but enjoyable. It also includes occasional indulgences like a weekend getaway or spa treatment.
To calculate your Vitality number, we take your essential costs and add half of your lifestyle spending. This gives a realistic snapshot of what it would take to maintain a modest yet fulfilling lifestyle—without needing to work. This stage offers psychological freedom and helps you live with greater joy and confidence.