RETIREMENT GUIDES
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3 guides
Coast FIRE Explained: How to Stop Saving and Still Retire on Time (2026)
Coast FIRE is the point at which your invested assets — left completely untouched — will grow to your retirement target on their own by the time you reach traditional retirement age. Once you've hit your Coast FIRE number, you no longer need to save for retirement. You just need to earn enough to cover your current living expenses. The math does the rest.
19 min readHow to Retire Early: The Math Behind FIRE (2026)
To retire early, you need to save 25× your annual expenses and accumulate those savings fast enough to retire before traditional retirement age. The timeline is almost entirely determined by your savings rate — not your income. At a 50% savings rate, you can retire in approximately 17 years from zero, regardless of whether you earn $50,000 or $200,000. At a 70% savings rate, that compresses to 8–9 years. At a 20% savings rate, it takes 37 years — roughly a traditional career. The math is unambiguous; the difficulty is behavioral.
19 min readWhat Is the FIRE Movement? A Beginner's Guide to Financial Independence (2026)
FIRE stands for Financial Independence, Retire Early — a movement built on the idea that by saving and investing an unusually high percentage of your income, you can accumulate enough wealth to live off investment returns without ever working again. The core math is simple: save 25 times your annual expenses, live off 4% of that portfolio indefinitely. Someone spending $40,000/year needs $1 million. Someone spending $80,000/year needs $2 million. The timeline to get there depends almost entirely on your savings rate.
17 min readReady to put the ideas to work?
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