CashmereAcademy
Academy

Design Your Path to Financial Independence

State the spending target, the ages and the assumptions behind your plan, read how CPF and your home time the date, save one scenario that changes something real, and defend one decision under uncertainty.

Level
Integrated
Format
Instructor-led
Length
4.5 hours over 3 weeks, 8 lessons
Classes
3 live

Next class Starts Mar 6, 2027, 3 classes over 3 weeks, in the room and live online, Cashmere Studio, 71 Ayer Rajah Crescent

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What you will be able to do.

  • Plan assumptions
  • Access and bridge
  • Saved scenarios
  • Decision memos
  • The 90-day plan
  1. 01define a household spending target, a goal age, a plan-through age and the assumptions behind each
  2. 02read how CPF, housing, accessible money and CPF LIFE time the funding of independence
  3. 03build and save a named scenario with one realistic life or contribution change
  4. 04compare the baseline with the scenario and justify one decision under stated uncertainty
  5. 05write an independence plan with actions for the next 90 days and a date for the next review

Module by module.

01

The Assumptions

Every input the plan runs on, sourced or labelled an estimate, and how CPF, the home and accessible money decide when it is funded.

  1. Spending target, goal age, plan-through ageIn the room, 45 min
  2. Your inputs, sourcedExercise, 30 min
  3. What CPF and the home do to the dateSelf study, 30 min

02

One Scenario, Compared

A saved scenario that changes one real thing, read against the baseline, and one decision defended with its trade-off and its trigger stated.

  1. A change worth modellingIn the room, 45 min
  2. Your scenario, savedExercise, 30 min
  3. Baseline against scenarioSelf study, 30 min

03

The Plan

The five artifacts and the Plan readings gathered into one plan with a 90-day action list and the date of the next review.

  1. Ninety days and the next reviewIn the room, 45 min
  2. Your independence planSelf study, 25 min

Ends in an assessment: 4 questions, pass mark 70%, 3 attempts.

Who it is for

  • Anyone with a goal age in mind and no idea whether the money reaches it.
  • Anyone who has taken the four courses before this one and wants them to add up to a plan.

What you need first

  • A Cashmere Pocket with a household, a FIRE plan and accounts entered. The exercises read Plan.
  • Recommended: PF101 to PF202. A diagnostic waiver is possible for a learner who can show the four artifacts.

Asked before enrolling.

Who is this course for?

Anyone with a salary and no plan for it yet. No finance background is assumed, and nothing in it depends on following the markets.

What do I need before I start?

A browser and a Cashmere Pocket. Every exercise is done in your own Pocket, on your own numbers, and the course checks your Pocket to confirm each exercise is done.

Are classes recorded?

No. Classes are taught live by a person. The slides stay in the portal to read back at any time, with the checkpoints under them.

What if I miss a class?

The deck and its checkpoints stay open, so you can catch up in your own time. Missing a class does not stop you from completing the course.

Is this financial advice?

No. The course teaches you how to think about money and read your own position. It never offers a view on what to buy.

What do I leave with?

A completion record naming the course version you were taught, which you can export. It is not an accredited qualification.

A financial independence plan in your own numbers: sourced assumptions, a saved scenario, one defended decision and the next 90 days.

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