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Your dream life

Time to sit down, grab a coffee, and imagine your dream life in 10 years.
💡 Tip 1: Don’t hold back here, it’s not yet the time to worry about how you’ll make it happen or if you’re being realistic or not, we’ll figure that stuff out later! Just let your imaginations and dreams run wild : "What would you do, day-to-day, if you had $100 million in the bank?”
💡 Tip 2: It may help you to think of stuff you dream of having (like material stuff), stuff you dream of being (like a great cook or fluent in Chinese), and stuff you dream of doing (like visiting Thailand)
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1. What does
2034
⁠
look like for you?

Set a 15-30 minute timer to brainstorm, jot stuff down, or use sticky notes if that’s your thing!
ーーーーーーー [20 minute exercise] ーーーーーーー
Now, check out my examples below and then click this button to get started:
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Reset Dream Life Goals!
⁠
(just click this one button)
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Reset Names
⁠
Reset Categories
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Reset Goals
⁠
Add sample goal
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Enter your names here
1
Your Name:
Denis
2
Your Partner’s Name (if relevant):
KT
There are no rows in this table
⁠

Enter your goal categories here
1
Category 1:
Family
2
Category 2:
Work
3
Category 3:
Financial
4
Category 4:
​
5
Category 5:
​
There are no rows in this table
⁠

Enter your 10 year dream goals here
Name
Category
Item
1
KT
Family
Have 1-2 kids, 1-2 cats
2
KT
Family
Own a house (3+ bedroom), no need to be huge
3
KT
Family
Travel 25% of the year (choose different location each year and explore that area)
4
KT
Family
Live within 5 hours travel time of parents
5
Denis
Family
Have lots of time to spend with family and pets
6
Denis
Family
Own a house: not huge, big kitchen, 3-4 bedrooms, bbq patio area, at-home gym
7
Denis
Family
Do outdoor activities with fam like camping, fishing, hiking, etc
8
Denis
Family
Take a full summer of travel adventures (mini retirement, 3 months)
9
Denis
Family
Mostly adventure type travel (urban or nature)
10
Denis
Family
But with 1 trip per year of relaxing time (→ think Hawaii)
11
Denis
Family
2-3 weeks with extended family, may be part of vacation
12
Denis
Family
See parents once every 1-2 months
13
KT
Work
Active revenue from something that I’m passionate about
14
KT
Work
Passive/semi-passive revenue as safety net
15
KT
Work
At home or at office
16
KT
Work
Flexibility to take 2-3 months to travel
17
Denis
Work
Work for myself!
18
Denis
Work
Highly automated, 10-20 hours a week (can continue managing it while on mini retirement)
19
Denis
Work
Flexibility to bring kids to school, cook
20
KT
Financial
On track to send kids to university
21
KT
Financial
On track to retire with enough savings to live comfortably
There are no rows in this table
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For reference : your dream goals, organized by category and person!
Category
Name
Item
Family
12
KT
Have 1-2 kids, 1-2 cats
Own a house (3+ bedroom), no need to be huge
Travel 25% of the year (choose different location each year and explore that area)
Live within 5 hours travel time of parents
Denis
Have lots of time to spend with family and pets
Own a house: not huge, big kitchen, 3-4 bedrooms, bbq patio area, at-home gym
Do outdoor activities with fam like camping, fishing, hiking, etc
Take a full summer of travel adventures (mini retirement, 3 months)
Mostly adventure type travel (urban or nature)
But with 1 trip per year of relaxing time (→ think Hawaii)
2-3 weeks with extended family, may be part of vacation
See parents once every 1-2 months
Work
7
KT
Active revenue from something that I’m passionate about
Passive/semi-passive revenue as safety net
At home or at office
Flexibility to take 2-3 months to travel
Denis
Work for myself!
Highly automated, 10-20 hours a week (can continue managing it while on mini retirement)
Flexibility to bring kids to school, cook
Financial
2
KT
On track to send kids to university
On track to retire with enough savings to live comfortably
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2. What does your day to day life look like?

Take a few more minutes to dive deeper into the details, really try to visualize a day in your 2030 dream life!
⁠
Reset Dream Day!
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(just click this one button)
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Reset Daily Dream Life
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Add sample event
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Imagine a day in your 10 year dream life here!
Num
Start Time
End Time
Denis (school day)
1
1
6:00 AM
​7:00 AM
Still sleeping...
2
2
7:00 AM
​7:30 AM
Wake up
3
3
7:30 AM
​8:00 AM
Make breakfast for kids + take them to school
4
4
8:00 AM
​9:00 AM
Gym at home
5
5
9:00 AM
​9:30 AM
Actually eat breakfast while reading blogs / TV
6
6
9:30 AM
​12:00 PM
Work on stuff, from home. Money making stuff.
7
7
12:00 PM
​1:00 PM
Lunch, usually at home but sometimes out
8
8
1:00 PM
​2:30 PM
Reading, podcasts, articles, etc. Learning stuff.
9
9
2:30 PM
​3:00 PM
Pick up kids
10
10
3:00 PM
​5:30 PM
Work on side projects, mixed in with taking kids to extracurricular activities, playing sports with them, etc
11
11
5:30 PM
​7:00 PM
Make and eat dinner with fam
12
12
7:00 PM
​8:00 PM
Family time → maybe some games? TV? Netflix? If long days, can play some sports, do outdoor stuff
13
13
8:00 PM
​9:00 PM
Help kids with hw (if needed)
14
14
9:00 PM
​10:30 PM
Reading + more family time before going to bed
There are no rows in this table
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3. Summary of large themes

Group the large themes of your dream life as we move forward.
Reset Large Themes
⁠
Keep it to 3-4 large themes.
Large theme
Consequence
1
Own a house
Large financial responsibility : down payment + mortgage
2
3 months of summer travel per year
Need work flexibility (geography + time)! Regular job probably doesn’t cut it.
3
Have a family, and have time for family!
Large financial responsibility (college costs a lot...)
Work flexibility needed, to spend time with kids, do extracurriculars with them, etc
There are no rows in this table
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4. Calculate your expenses

Based on what you wrote up here ☝️, let’s see what your expenses would look like in this dream scenario!
Just like you already did on the previous page for today’s expenses, do the same here for your projected expenses for your dream life in 10 years! You can start off by copying the monthly costs from today into the “Monthly Cost (10y)” column, then adjust the numbers and the sliders as needed. Feel free to add new line items as well! If there are items that are not relevant in 10 years, put the monthly cost to $0 but do not delete the row entirely!
Important note: Do not include mortgage, rent, or kid related costs here. You’ll have the ability to apply these automatically later on.
Input your expenses now!
Reset all values
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⁠
Column descriptions
Expense category: you can choose how you want to categorize, just be consistent!
Monthly Cost (today): how much you spend on that category each month, today
Monthly Cost (10y): how much you’ll spend on that category each month, in 10 years
Months valid per yr (10y): in case there are categories that only apply for part of the year, this column allows you to put in the number of months applicable per year
Example 1
Because we plan to spend 3 months each year traveling or living abroad, we added a row for “3 months summer travel” with a cost that is all inclusive - that row is only applicable for 3 months, hence the 3 in this column. All other rows except “Pet Stuff”, “Rent/Mortgage”, and “Health Care” are set to 9 months for the same reason.
Example 2
“Rent out home” is only applicable for 2 months, since we’ll only rent out our home when we’re on our 3 month summer travel, and because we made an assumption that we’re only able to rent it out for 2 months out of 3.
Average Monthly (10y): a formula to calculate your average monthly cost
Clarifying notes: any notes that help remind you of assumptions you’ve made
Expense Category
Monthly Cost (today)
Monthly Cost (10y)
Months valid per yr (10y)
Average Monthly (10y)
Clarifying notes (10 yr)
1
Pet Stuff
$45
$45
00
12
$45.00
​
2
Utilities
$200
$200
00
9
$150.00
​
3
Groceries
$212
$212
00
9
$158.95
​
4
Shopping
$580
$580
00
9
$435.00
​
5
Car Related
$655
$655
00
9
$491.25
​
6
Entertainment
$509
$509
00
9
$381.50
​
7
Food
$985
$985
00
9
$738.75
​
8
Regular travel
$1,448
$500
00
9
$375.00
​
9
3 months summer travel
$0
$10,000
00
3
$2,500.00
3 months of summer travel! This comes from
this example for Japan
⁠
. All inclusive!
10
Rent out home
$0
-$4,000
00
2
-$666.67
Assumes a 66% occupancy rate, at rate of $4k/month (rough Airbnb check)
11
Health Care
$0
$833
00
12
$833.00
Assumes we have
unsubsidized health care
⁠
(self-employed)
There are no rows in this table
$5,441.78
Sum
⁠
⁠

👉 Done with your 10-year dream? Move on to:
Home and kids
⁠
⁠

⁠
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⁠

1. What does 2034 look like for you?
2. What does your day to day life look like?
3. Summary of large themes
4. Calculate your expenses
👉 Done with your 10-year dream? Move on to: Home and kids
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