Brian Wittman | Blue Jean Broker
Planner

The Work-Optional Living Plan

Using a business philosophy to build passive enough income so work becomes a choice.

How this works. Enter your monthly take-home pay (after taxes, insurance, and 401(k) deductions). Then enter what you actually spend in each category. The tool shows you where you are versus the recommended ranges, but the recommended ranges are guideposts, not rules.

If your housing is 42% but you're cutting your fun money on purpose because you bought a home you love, that's a conscious tradeoff. The point isn't to hit every target. The point is to know what you're trading and why.

Start with your take-home pay
What hits your bank account each month after taxes, insurance, and automatic retirement deductions.
What you're contributing to a 401(k), pension, or other pre-tax retirement plan each month. This is already off the top before take-home pay. We capture it here so you can see your full wealth-building picture.
Your five categories (percentages update as you type)
Housing
Target: 25 to 35%
Mortgage or rent, property taxes, insurance, utilities, HOA
0.0%
Essentials & Stability
Target: 25 to 35%
Groceries, transportation, healthcare, childcare, cell phone
0.0%
Work-Optional Wealth
Target: 20 to 25%
Roth IRA or brokerage contributions, real estate or business investing, replenishing your emergency fund if you've tapped it
0.0%
Guilt-Free Living
Target: 10 to 15%
Travel, hobbies, fun money, gifts, donations
0.0%
Debt Freedom & Flexibility
Target: 5 to 10%
Extra loan payments, credit card payoff, buffer savings if debt-free
0.0%

Your Plan at a Glance

Take-Home Income
$0
Total Allocated
$0
Unallocated
$0
Enter your numbers above to see your plan. Once you fill in your income and category amounts, you'll see how your plan compares to the recommended ranges.

This plan is the map, not the whole journey.

The ranges get you a balanced plan on paper. Turning it into a work-optional life, across your home, your mortgage, and your long-term money, is where a real conversation makes the difference.

Book a Strategy Call

Or schedule anytime at bluejeanbroker.com/schedule

© 2026 Brian Wittman, Blue Jean Broker | Chicago suburbs, Illinois

Real Estate | Mortgage | Life Insurance | Financial Literacy

Educational tool only. Not financial, lending, real estate, tax, or legal advice. The recommended ranges are general guideposts, not personalized planning. Brian Wittman is licensed in real estate (Real Broker LLC, IL License #475.164962), mortgage origination (NEXA Mortgage, LLC, Company NMLS #1660690; Brian Wittman, MLO NMLS #2646598; AZBK #2006218; Equal Housing Lender; NEXA corporate office: 5559 S Sossaman Rd, Bldg 1, Ste 101, Mesa, AZ 85212), and life insurance (Levinson & Associates). This is not a commitment to lend, and all loans are subject to credit approval. No data entered here is saved. Consult a licensed professional for guidance specific to your situation. Verify mortgage licensing at nmlsconsumeraccess.org. Full disclosures at bluejeanbroker.com/disclosures.