Tracking this percentage over time is often more motivating than watching the raw balance — it puts a clear finish line on the number. 100% means your invested assets alone could sustain your current spending indefinitely, at the withdrawal rate the FI number assumed.

🇵🇹 When adding up your current investments, count only liquid, investable assets — ETF and stock portfolios, PPRs, Certificados — not the value of your primary home or a future Segurança Social pension, neither of which converts into a withdrawal stream the same way.