Viktor, 31 — somewhere on the road
A lean solo cyclist who already left, and wants to know if he can stay gone.
Is €400,000 enough to stay out forever?
Viktor lives on €1,100 a month from a bicycle and has €400,000 invested from his old life. He isn't saving another cent — the question is whether the pot carries him for good, and where it carries him furthest.
Already past the number
Their numbers, in the tools
The Exit Calculator, prefilled Their three endings Find your country the way they would The rules where they live: Bulgaria · cost index 62.50.5%
run at their exit point, against real market history and mortality tables
At his spending, Viktor's pot already clears the ×30 bar — he isn't riding toward the exit, he's riding around inside it. His real margin isn't the pot; it's the map. The same life costs him half as much on the cheap end of the continent as it would in the priciest corners.
His plan needs exactly one discipline: keep the spending where the ground is cheap when the markets have a bad decade. The map is his buffer. That's not a compromise — for him it's the whole sport.
Next exit: Søren, 40 — Copenhagen
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.