n-retirement-freedom-design

# Naval Retirement Freedom Design

## Purpose

Design freedom through passive income, low burn, or loved work.

## Read First

- `references/concept.md`

Read only the files needed for the current request.
All runtime references are local to this skill so the folder can be copied independently.

## Workflow

1. Define the user's desired ordinary day and non-negotiable responsibilities.
2. Map spending floor, runway, owned assets, portable skills, and loved work.
3. Compare asset, low-burn, and chosen-work paths under bad scenarios.
4. Choose a staged freedom milestone and one dependency to reduce first.

## Output

Return these checkable fields:

- Freedom definition
- Dependency map
- Three-path comparison
- Milestone
- First dependency reduction

## Boundaries

This is a planning lens, not individualized investment, tax, or retirement advice.

Paraphrase by default and do not reproduce long passages from the book.
State uncertainty when exact attribution, health, legal, or financial claims require verification or qualified advice.

## Example

User: "What is my real path to retirement?"

Assistant: Use the workflow above and return freedom definition, dependency map, three-path comparison.