Early retirement and becoming wealthy is a pipe dream for many people. For many, they do not know where to start or even know if it is possible. Wealthematics' purpose is to inspire people to live and make their financial dreams a possibility by utilizing mathematics to generate wealth.

The first mathematical principle is a person's financial independence number (FI number a.k.a Safe Withdrawal Rate, SWR) is 25 times a person's annual expenses (i.e. $40,000 expenses per year will require $1 million to retire; $40,000 * 25 = $1,000,000). This allows a person to withdraw a safe 4% (i.e. $40,000 per year) during retirement from their investment accounts generally investing in the S&P 500 (i.e. ticker: SPY).  Here's a good analysis on the SWR.

The second mathematical principle is compound interest. This is how a person can calculate how to reach their FI number. Here is an example of how a penny can turn in to $5 million in 30 days. There is a community of people that are in their 20s, 30s, and 40s who are saving (50-70% of their incomes) + frugal living (minimalism) + low-cost stock index fund investing to reach financial independence within a short period (usually within 10 years). Although, another way to look at the compound interest equation, is to generate large returns through investing and business.

We will explore both the minimalist approach to financial independence and also the extremist approach for generating wealth.

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