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.
Coast FIRE Coast FIRE: Stop Saving at 45, Retire at 60 Anyway Hit $500,000 at 45 and you can stop contributing entirely. At 7% real return, that becomes $1.5 million at 65. The target number depends on your actual retirement spending.
4% rule The 4% Rule: Is It Still Safe After 2022-2024 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.
capital gains The 0% Capital Gains Bracket: How to Harvest Gains Tax-Free Under $94,050 in taxable income for a couple in 2026: your capital gains rate is 0%. Early retirees harvest gains tax-free every year for a decade.
