FIRE
FI Number Math: How to Calculate What You Actually Need
25x annual expenses is the headline rule. For anyone retiring before 55, the real number is 30-33x. The difference is healthcare and sequence risk.
An educational resource for people who want to invest wisely—without unnecessary complexity or “secret strategies.” The site breaks down the mechanics of investing: index funds, dividend-paying stocks, tax optimization, retirement accounts, and real estate as an investment vehicle.
25x annual expenses is the headline rule. For anyone retiring before 55, the real number is 30-33x. The difference is healthcare and sequence risk.
Bill Bengen's original 1994 study used historical data through 1992. After three down years, does $40,000 on $1 million still work? The data says yes, with one adjustment.