1. Determine the monthly living expenses: this needs to be estimated according to personal circumstances, including food, housing, transportation, entertainment and other expenses.

2. Calculate the annual living expenses: multiply the monthly living expenses by 12 to get the annual living expenses.

3. Determine the target life of financial freedom: Assuming that financial freedom is to be achieved before the age of 40, the target life is 10 years.

4. Calculate the funds to be stored: add up the annual living expenses in the target year to get the amount of funds to be stored. For example, the annual living expenses are 654.38+ 10,000 yuan, so the living expenses in 654.38+00 years are 654.38+10,000 yuan.

5. Consider inflation and return on investment: Due to inflation, the cost of living in the future may be higher than now, so it is necessary to consider the impact of inflation on capital demand. In addition, if the stored funds are invested in high-risk and high-yield assets such as stocks and funds, higher returns may be obtained, thus shortening the time to achieve financial freedom.

6. Determine the annual investment: calculate the amount of funds to be invested each year according to the target amount of funds, target years, inflation rate, expected return on investment and other factors.

7. Make an investment plan: Make an investment plan according to the annual investment and personal risk tolerance, and spread the funds to different asset classes to reduce risks.