Saving aggressively to reach a portfolio that funds living costs indefinitely.
The core arithmetic: your FIRE number ≈ annual spending ÷ safe withdrawal rate. At 4%, that is 25× spending. Savings rate matters more than returns for how fast you get there.
Example: $48,000 spending ÷ 4% = $1.2M FIRE number.
FAQ
What is FIRE in simple terms?
The core arithmetic: your FIRE number ≈ annual spending ÷ safe withdrawal rate. At 4%, that is 25× spending. Savings rate matters more than returns for how fast you get there.