FIRE Planning
Coast FIRE, Monte Carlo simulation, safe withdrawal rates, and the math of financial independence.
3 articles
FIRE Planning
The 4% Rule Is Wrong: What Monte Carlo Shows
The 4% rule was designed for 30-year retirements. Monte Carlo simulation shows a 15-20% failure rate over 50 years. Here's what actually works for early retirees.
•12 min read
FIRE Planning
How Much Do I Need to Retire? A Tax-Accurate Answer
The 25x rule ignores taxes. A single filer spending $60K/year needs $1.65-1.84M from a Traditional 401(k) — not $1.5M. Here's the real math.
•11 min read
FIRE Planning
Coast FIRE Calculator: When Can You Stop Saving?
Coast FIRE is the point where your existing investments will grow to cover retirement without additional contributions. Here's how to calculate yours.
•10 min read