FIRE Concepts
Core ideas behind financial independence and early retirement.
FIRE Concepts
Safe Withdrawal Rates Beyond 4%: What the Latest Research Says
The 4% rule is nearly 30 years old. New research questions whether it's too conservative, too aggressive, or just too rigid. Here's what the latest studies say about safe withdrawal rates for early retirees.
· 4 min read FIRE ConceptsThe Sequence of Returns Risk Nobody Talks About
You saved enough to quit. Your portfolio can handle 4% withdrawals. Then the market drops 30% in your first year of retirement. This is sequence of returns risk — and it's the biggest threat to early retirees.
· 3 min read FIRE ConceptsWhat Is the 4% Rule (and Why It Decides When You Can Quit)
The 4% rule is the single most important idea in early retirement math. It tells you exactly how much money you need invested to never work again. Here's how it works and what it means for your timeline.
· 2 min read