financial independence, retire early · four flavours · 25× rule · SWR arithmetic.
your numbers
4% = 25× expenses · 3% = 33× (safer)
barebones life you could live on
the four fires
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net worth · until regular fire
your corpuslean fire targetfat fire target
lean FIRE — retire early on 60% of current expenses. minimalist path. regular FIRE — retire on current expenses. the default target. fat FIRE — retire on 150% of current expenses. aspirational, expensive. coast FIRE — save enough by age X that compounding alone gets you to regular FIRE by 60. you can "coast" (cover expenses but save nothing more). barista FIRE — part-time / passion-work income covers half expenses, corpus covers the rest.