Hi, I’m Cristina

I help you make money decisions with clarity.

Calculators, step-by-step guides and checklists for the UK and Spain, so you decide knowing what’s at stake. I won’t tell you what to buy: I give you the tools to decide for yourself.

See calculators and guidesWhere do I start?
Cristina Gil Gallo
The roadmap

My plan is to make work an option. Where are you?

I’d been on this road for a while, with steps skipped and everything spread across a dozen spreadsheets. This website is how I’m putting it in order. Pick the step you’re on.

  1. Before you start · Prepare your mindsetWhat do you really want from money?Why we work the way we do and what making work an option means for you.Start
  2. 1Step 1 · Organise your financesI'm here nowHow many months could you last without income?How much comes in, how much goes out and how much you need each month, all in one place even if it's spread around. Plus a cushion, expensive debt and insurance before investing.Documented: 20%Start
  3. 2Step 2 · Map out a planWhen could you stop depending on your salary?How much you need to live off what you've built, and when you'd reach that figure at your current pace.Documented: 0%Start
  4. 3Step 3 · Build your skillsComing soonWhat do you need to learn to get there?Property, shares, starting a business: with a clear plan, you choose your route and learn what it takes. What I know, plus the books and courses that helped me.Documented: 0%Start
  5. 4Step 4 · Put your plan into actionHow do you grow your income and your money?With what you already know and what you've learned: from building other sources of income to investing, with numbers that hold up.Documented: 0%Start
  6. The goal · Work if you want toComing soonWhat if you only worked on what you love?Living off what you've built and spending your time on what gives your life meaning. The milestones along the way, measured in months of no.See the goal

And alongside, when you need them

They don't come in order: they turn up when they turn up.

Want another source of income?Coming soonBuild other sources of income Are you about to make a big purchase or a major investment?Run the numbers About to put money into an investment?Check it first Have you been scammed, or has an investment gone wrong?What do I do?

Calculation tools and education, not financial advice.

Cristina with her daughter
Why I’m building this

What started to change it was running the numbers

Whatever you call it, early retirement, independence or simply peace of mind, I’m on that road. For years I have depended on a single source of income, first a salary, then one single client. One day it hit me that this is not stability, it is risk: it means you cannot afford to stop. And no motivational quote got me out of it: a spreadsheet and a plan did.

I have a daughter and I never want her to feel trapped by money. But it is not only her: I think about the people closest to me too, asking themselves the same questions I used to ask myself, without knowing who to ask. Leaving a financial cushion is fine, but teaching people to create opportunities, to understand the numbers and to be free, that is the real legacy.

If any of this helps you look at your numbers and decide better, it will have been worth it.

Read the full story →