Listen HereApple PodcastsSpotifyKey TakeawaysTwo Paths to FI: Nest Egg vs. Cash Flow: The classic route is Nest Egg FI — save 25 times your expenses and live off a 4% withdrawal rate. The other is Cash Flow FI — build enough monthly income from real estate, a business, or digital products that you never touch the principal at all. Even people who’ve sold companies for eight or nine figures often find it psychologically harder to draw down a lump sum than to live off steady cash flow. The other is Cash Flow FI — build enough monthly income from real estate, a business, or digital products that you never touch the principal at all. Even people who’ve sold companies for eight or nine figures often find it psychologically harder to draw down a lump sum than to live off steady cash flow.