Why FIRE Portfolio Concentration Risk Breaks 15-Year Plans
FIRE portfolio concentration risk threatens 15-year plans. Diversifying beyond the Magnificent Seven guards against sequence risk in early retirement.
FIREnomics
Practical FIRE movement guides on savings rate, index funds, the 4% rule, and withdrawal strategy for reaching financial independence and retiring early.
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Involuntary FIRE And Bridge Income After Late-Career Layoffs
Involuntary FIRE after a late-career layoff? Use gig work and freelancing as bridge income to protect your portfolio during the most dangerous gap years.
FIRE Withdrawal Strategy and the Math of Spending Fear
FIRE withdrawal strategy math shows why routine market swings dwarf your living expenses, making spending guilt a calibration error you can fix.
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Roth vs Traditional 401(k) for FIRE Is Bracket Arbitrage
Roth vs Traditional 401(k) for FIRE is bracket arbitrage: deduct at your top rate now, withdraw lean at a low effective rate, convert cheap in gap years.
What to Do in Early Retirement, 2,000 Hours at a Time
What to do in early retirement is a budgeting problem, not a bucket list. Price your 2,000 freed hours a year like assets and build a starter allocation.
Lower Expected Returns Early Retirement Math at 3% Real
The lower expected returns early retirement math, repriced. Timelines at 3% real, the 25x vs 30x choice, and the levers that buy the years back.
FIRE Side Income Is a Revocable License, Not an Asset
FIRE side income on platforms is a revocable license, not an asset. Apply the owned vs rented test and a 30-50% haircut before it enters your plan.
Car Total Cost of Ownership Priced in FI Months
Run the keep, used, or new car decision as FIRE math. Compare car total cost of ownership, find the repair crossover, count months added to FI date.
4% Rule vs the Real 2016 to 2024 Market Path
We ran the actual 2016 to 2024 markets through a 4% rule FIRE portfolio. The COVID crash, 2022 slump, and inflation spike left a ledger and new rules.
Why FIRE Movement Regrets Skew Toward Saving Too Much
FIRE movement regrets skew toward saving too much. Overspending is recoverable; a missed window is not. Use a reversibility test and a regret budget.
Savings Rate vs Investment Returns at the FIRE Crossover
Savings rate vs investment returns: past a calculable crossover point, returns move your FIRE date more than scrimping. See the $50k to $2M lever table.
What Is Your Desired Salary? Price It Like an Investor
Answer 'What is your desired salary?' with a range that protects your FIRE date, because at a 40 percent savings rate every $1,000 of base pay compounds.
Are Guru Courses Worth It? The Expected Value Math
Are guru courses worth it? The expected value math says usually no. We compare $997 tuitions to 15 years of index fund returns and give a strict buy rule.
The 4% Rule Early Retirement Math Breaks at 50 Years
The 4% rule early retirement math breaks at 50 years. Its flat 30-year assumption misprices go-go, slow-go, and no-go costs, so build a stage schedule.
Rental Properties vs Index Funds Priced as a Second Job
Rental properties vs index funds, priced as a job. Tally landlording's real hours, compute the implicit hourly wage, and check when rentals win.