SO WHEN?
Rule two of the manifesto is "Freedom Date > Lambo Date", and until now no freedom date existed anywhere on this site. This one walks the pile forward a month at a time: dividends land, new money goes in, shares get bought, and next month's dividends are bigger because of it. Same maths as the hoard, pointed at the calendar.
July 2029
The plan lives in the URL — bookmark it, share it, come back to it.
STRESS TEST
One pillar cuts, nothing else on the plan changesEvery other number on this page prices a gradual or external risk - a rate a fraction of a penny off, a price drift, the pound moving. This prices a sudden one: each cell reruns the whole simulation with one pillar's dividend cut by 25%, 50% or 100%, and reads off how far the Freedom Date moves.
Rule 4 keeps buying RECI after the cut - completion June 2028, freedom never. The floor-levelling buy order chases whichever building pillar pays the least, and a cutter always pays the least. Reported here, not fixed.
Rule 4 keeps buying NCYF after the cut - completion June 2028, freedom never. The floor-levelling buy order chases whichever building pillar pays the least, and a cutter always pays the least. Reported here, not fixed.
The day after freedom, at July 2029's share counts: an LGEN cut of 50% drops the run-rate to 26% under the freedom number, against 6% under to 8% under for a 50% cut to any other pillar. That is the concentration risk, in the site's own currency.
Buy NCYF before the 23 Oct ex-div
Landing before then: LGEN £7,865 (Sep 25) · SMIF £500 (Sep 30) · RECI £473.10 (Oct 17) + £1,000 of plan new money ≈ £9,838.
Rule 4 says NCYF's floor is lower (£230.50 vs RECI's £473.10), so the buy goes there: ~19,442 shares at 50.6p → qualifies for the November 1p quarter (+£194.42).
Assumed prices, not live quotes. Dates marked (est.) aren't declared yet — the lead comes from the posts' own pattern, not a transcribed RNS.
IN REAL TERMS
In today's baht: still July 2029 at each pillar's own historical dividend growth and 2% Thai inflation. Flat dividends alone would still land May 2030; flat costs alone (no inflation) January 2029.
Income-weighted, the machine grows 2.29%/yr nominal against 2% inflation — +0.29%/yr real. Freedom day clears the number by 1.0% — and keeps growing in real terms after that, so there's no cushion to run out.
IS FREEDOM PULLING CLOSER?
The default plan's own trail — slider scenarios below don't rewrite thisBelow 1x: the calendar's still ahead of the buying. 2 months of freedom bought in 8 lived so far.
THE SNOWBALL
Run-rate annual income, month by month from October 2026WHEN EACH PILLAR FINISHES
RECI
15,770 → 70,000June 2029
NCYF
23,050 → 172,000April 2029
LGEN and SMIF are never bought here — one is an anchor taking selective additions only, the other finished at 100,000 shares in June. Everything the simulation spends goes into the two pillars still being built.
THE LEVERS
On, the pool buys shares every month it can afford one. Off, nothing is bought at all — dividends and new money just sit there as cash and the income line goes flat. That's the control case, and it's the whole argument.
More of this came out of the pile than out of the goblin's pocket. That's the flywheel.
THE RULES
- Timing. A month pays on the share count it opened with, so shares bought in one month only start earning the next. Rough, but it's honest about ex-div dates instead of pretending.
- The pool. Dividends land, new money joins them, and whatever isn't spent carries forward. Cash earns nothing — it's a current account, not a holding.
- Where it goes. Into whichever building pillar has the lower regular quarter. RECI pays Jan/Apr/Jul/Oct and NCYF Feb/May/Aug/Nov, so for eight months of the year the floor above SMIF is whichever of the two pays less. Feed the smaller one, lift the floor.
- Whole shares only, at the hand-entered price on each card, never past a target while the other pillar is still short of one. The remainder carries to next month.
- Past the targets the cap comes off and the levelling carries on. A target is a milestone, not a stop sign — and since LGEN never gets bought here, its last 4,000 shares of target income have to be made up somewhere.
- Thirty years and the walk stops. That's what makes "reinvest nothing" answer honestly instead of running forever.
Prices are hand-entered on the cave wall like everything else — observed LSE quotes, or a real fill when a buy lands: NCYF at 50.6p, RECI at 117.9p. No live data, no API, nothing that updates itself. Move a price and every date on this page moves with it.
Dividends get cut, prices move, and 30 years is long enough for absolutely anything to happen. What this page is good for: watching the date pull closer every time a buy gets logged.