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FIRE means accumulating 25x your annual expenses in investments (the '4% rule'), then living off 4% withdrawal annually. A $50,000/year lifestyle requires $1.25M to achieve financial independence.
Based on the Trinity Study: a portfolio invested 60/40 stocks/bonds historically survived 30+ years with 4% annual withdrawals in 96% of historical scenarios. Some FIRE advocates use 3-3.5% to be safer.
Lean FIRE: retire on under $40K/year. Regular FIRE: $50K-80K/year. Fat FIRE: $100K+/year. Coast FIRE: save enough early that compounding alone reaches your number. Barista FIRE: semi-retire with part-time work.
Depends on savings rate. Saving 10%: 40+ years. 25%: ~32 years. 50%: ~17 years. 75%: ~7 years. The savings rate is the single most powerful variable in your FIRE timeline.
Low-cost index funds (VTSAX, VTI) in tax-advantaged accounts (401k, Roth IRA, HSA) first. Taxable brokerage next for flexibility. Target 90% stocks early, shift to 80/20 near FIRE date.
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