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What Is a FIRE Number and How Do I Calculate Mine?
Someone on Reddit Retired at 41 With $800,000. Here's the Math Behind It.A software engineer in his early 40s quit his job, moved to Portugal, and was living entirely off investment returns. Portfolio: $800,000. Annual spending: $32,000. Plan: never work again. How did he know $800,000 was enough? The answer is a concept called the FIRE number.FIRE stands for Financial Independence, Retire Early. Your FIRE number is the specific dollar...
How to Calculate Your FIRE Number (And Actually Hit It)
Your FIRE number is the investment portfolio size that lets you live off returns indefinitely without working. It's calculated as your annual expenses multiplied by 25 — the inverse of the 4% safe withdrawal rate from the Trinity Study. Simple math. Profound implications.This post covers how to calculate your number, how to model the path to hitting it, and the variables that most FIRE calculators ignore.The Core FormulaFIRE Number =...
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