BlogPosts tagged with Financial Independence

A simple 3-step check to know if you've reached Coast FIRE: find your FIRE number, discount it to today, and compare it to your invested assets. Includes a worked example and common mistakes.

Paying off your mortgage lowers your retirement spending and your Coast FIRE number — but ties up cash that could compound. Here's the math and a framework to decide.

The 4% rule explained: where it comes from (Bengen and the Trinity Study), the 25x shortcut, sequence-of-returns risk, why some use 3.5%, and how it sets your FIRE and Coast FIRE numbers.

Fat FIRE explained: how a comfortable retirement budget raises your FIRE number, who it suits, the savings rate and timeline trade-offs, and how it compares to Lean, Coast and regular FIRE.

Lean FIRE explained: how a frugal retirement budget shrinks your FIRE number, who it suits, the risks of a thin margin, and how it compares to Coast, Fat and regular FIRE.

Coast FIRE numbers by age: see roughly how much you need invested at 25, 30, 35, 40 and 45 to coast to retirement — and why starting earlier means a far smaller number.

Coast FIRE vs Barista FIRE compared: how each works, who they suit, and how to decide. Both let you ease off full-time saving on the path to financial independence.

Coast FIRE vs regular FIRE compared: how the numbers, timelines, and lifestyles differ — and how to decide which version of financial independence suits your goals.

Discover Coast FIRE, the innovative middle ground between traditional retirement planning and aggressive FIRE strategies. Learn how to front-load your retirement savings and achieve financial security...