Recurring Income Blueprint

Draw a line of credit into an investment that pays you monthly, pay the line off with every dollar of cashflow, then do it again. Watch each stack pay off faster than the last, and see when the income could cover your expenses.

How the stacking cycle works

Each cycle draws the full line of credit into an investment that pays back as a level monthly payment over its term: principal plus return, like a note. Your personal cashflow plus every live investment's payment then goes at the line until it's clear, and the next cycle starts. Because every new investment adds to the cashflow, each payoff gets faster than the one before. When an investment's term ends, its payment drops out.

Choosing when to grow the line

The simulation can raise the line of credit by a set percentage on one of three rules: when a payoff finishes within a target number of months, after every few investments, or on a fixed calendar interval. A bigger line means bigger investments and more interest per cycle, so the rule you pick changes both how fast cashflow grows and what it costs.

What "financial independence" means here

The milestone is reached when the share of investment cashflow you choose to live on (the withdrawal percentage) covers your monthly expenses by itself, leaving your personal income out of it. The rest keeps feeding the cycle. It's a simplified model: it assumes every investment pays as scheduled, ignores taxes and defaults, and holds rates steady.

Recurring Income Blueprint

How the stacking cycle works

Choosing when to grow the line

What "financial independence" means here

Further reading