Starting net worth: $20,000. Current net worth: $20,000. Summit: $1.14M.

Levels follow saved net worth as a share of your Freedom Number ($1.14M), not XP or app visits. Each level spans 1% of that number, so Level 100 always means Financial Freedom. Levels can fall when your finances fall. Changing your target recalculates levels without a level-up celebration.

Next level needs a net worth of $22,800. Grow assets or reduce liabilities; transfers between your own accounts do not increase net worth.