Save More, Labor Less: Gain Financial Control with Freedom$™ Savings Program

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The Freedom$ Savings Program offers Americans proven savings and retirement wisdom of successful savers based on the 20,000 U.S. household analysis by the retirement experts at Hearts & Wallets.

10 Times Assets to Income

Americans who save 10 times their assets to income are able to achieve financial freedom, according to recent research. Now Americans can tap into the insights of 10-Timers with the Freedom$ Program.

Most Americans want responsibility for their financial destiny. The Freedom$ program puts savers in the driver’s seat.

Gain control over your financial future – how long and much to labor – with the Freedom$™ savings support program based on a four-year, 20,000 U.S. household analysis by the retirement experts at Hearts & Wallets.

The currently free, patent-pending program allows users to tailor a financial roadmap, drawing upon the top 10 behaviors determined to work for successful savers ( and IPhone app).

The Power of 10
The Freedom$ program harnesses the collective wisdom of successful savers, or 10-Timers™, who saved a baseline of financial security, which is at least 10 times annual household income to assets (minus consumer debt, excluding the primary home). Backed by research, the program offers new choices for how much “to work or not to work?”™ as Americans face laboring longer.

“Most Americans want responsibility for their financial destiny. The Freedom$ program puts savers in the driver’s seat,” said Varas, Freedom$ co-founder and Hearts & Wallets research co-author. “Users get advice from the best financial experts – people who have already reached Freedom$ independence. The insights of 10-Timers are even better than the opinions of financial experts.”

Successful 10-Timer financial behaviors include –

  •     3 times more likely to save in bursts (often more than 25 percent income annually for many consecutive years – usually five to nine years)
  •     5 times more likely to have work ownership (self-employment or company shares)
  •     allocate only about 40 percent of assets to retirement accounts

Independence Score
The core of the Freedom$ experience is the Independence Score™ calculation. With this metric, a user compares current financial behaviors to the 10 smart financial behaviors of 10-Timers, estimates years to achieve Freedom$ independence, and even speed time to independence by adopting additional 10-Timer behaviors.

“Traditional financial models try to estimate how much money or income you may have at retirement based on market conditions,” said Brown, Freedom$ co-founder and Hearts & Wallets research co-author. “You control your Independence Score in a way that you’ll never control the markets.”

Freedom to Talk Finance
The Freedom$ program uses neutral benchmarks to break the taboo on money discussions. Instead of actual account balances, the Freedom$ program uses the assets-to-income ratio ratio, similar to the Body Mass Index for weight control, to measure financial independence progress. This ratio enables peer group comparisons and facilitates user-selected online Freedom$ community forum support.

Mediated Wisdom of the Crowds
The Freedom$ co-founders, retirement trends researchers and college classmates, were inspired by successful role-model programs with simple, fact-based guidelines, such as Weight Watchers and Alcoholics Anonymous. The program breaks down big behaviors into a menu of smaller steps.

“The Freedom$ program is a mediated wisdom of the crowds,” Varas said. “It is grounded in the principle that no one person has the answer, but the analysis of what worked for certain groups within large populations uncovers many answers. Users then choose what works best.”

Join the Freedom$ community today at

The Freedom$ Program is not financial advice.

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Lynn Walters
Waltcom LLC
+1 (603) 498-1044
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Laura Varas