Daniel, 38 — London
A contractor whose money is ready years before his passport is.
Can a Brit still retire to the EU after Brexit?
Daniel bills well, spends €3,800 a month in London, holds €450,000 and saves €4,000 a month. His plan was always the same: hit the number, move somewhere warm in the EU. Then his passport stopped being an EU passport.
10 yrs 2 mo at 48
Their numbers, in the tools
The Exit Calculator, prefilled Find your country the way they would The rules where they live: United Kingdom · cost index 123.3Daniel's arithmetic is the easy half — at his savings rate the number arrives on schedule. His actual problem is the door: freedom of movement is gone, so the warm-country plan now runs through visa rules, income thresholds and paperwork that didn't exist when he first drew it.
The fix isn't to save harder. It's to pick the destination the way a non-EU citizen has to — by which doors are actually open — and to check the door before the flight, not after. The countries with a passive-income route are on the map; his shortlist starts there.
Next exit: Viktor, 31 — somewhere on the road
Everyone here runs at a deliberately modest 5% real return (after inflation) and a ×30 number — the calculators default to showing you more of the range; drag the sliders yourself. The people are invented, the arithmetic is real, and none of it is advice.
Bring me a challenge.
The Exit Audit, then ninety minutes: a straight verdict, real alternatives with their pros and cons, and your first move. If you want someone to nod along, I’m the wrong person to pay.