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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...
Roth IRA Tracker: How to Max Out Your Roth IRA and Actually See Your Progress
She'd Been Contributing to Her Roth IRA for 4 Years and Had No Idea How Much Was In ItDanielle opened her Roth IRA at 27, set up a $200/month automatic contribution, and promptly forgot about it. Four years later she'd contributed $9,600 — but the annual limit was $6,500 in those years. She'd left $16,400 in tax-free contribution room on the table. At 7% average return, that's ~$125,000 in tax-free...
Dollar-Cost Averaging Calculator: See Your Actual Returns
DCA Is Simple. Knowing Whether It's Working Is Not.Dollar-cost averaging — investing a fixed amount on a fixed schedule regardless of price — is one of the most widely recommended investment strategies. It removes the timing decision, reduces the impact of volatility, and keeps you investing consistently through market cycles. Most people who invest in index funds are already doing it, whether they know it or not.What most people don't...
The Best Roth IRA Tracker Spreadsheet (Free Template Inside)
Most Roth IRA Trackers Show You a Balance. A Good One Shows You a Plan.Your brokerage shows you your current balance. That's useful. But it doesn't tell you how much you've contributed this year vs. the annual limit, whether you're on pace to max out, what your balance will be at retirement if you keep contributing at your current rate, or whether your income is approaching the phase-out threshold.Those four...
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