FIRE Knowledge Base

Everything you need to know to leave the rat race behind.

Beginner
What is FIRE?
The comprehensive guide to Financial Independence, Retire Early.

Understand the core philosophy, the math behind the movement, and how to start your journey today.

Strategy
The 4% Rule Explained
Is it still safe in 2025? A data-driven look at withdrawal rates.

Dive into the Trinity Study, sequence of returns risk, and how to bulletproof your retirement income.

Comparison
Coast FIRE vs. Lean FIRE
Which strategy fits your lifestyle?

Comparing different flavors of financial independence to find your perfect fit. Front-load your savings or minimize your expenses?

Portfolio
Where to Park Your Money
Global, low-cost index strategies, tax wrappers, and broker tips for FIRE.

Build a world-allocation portfolio, avoid home bias, and choose the right accounts whether you're in the US, EU, UK, Canada, Australia, or elsewhere.

Risk
Home Bias Explained
Why country concentration hurts—and how to fix it.

Understand the hidden risks of overweighting your domestic market and learn practical steps to diversify globally without creating tax headaches.

Retire By Age

See exactly how much you need to retire at different ages, backed by the calculator.

Retire at 35
How much to save, what to invest, and what to tweak for age 35.
Retire at 40
How much to save, what to invest, and what to tweak for age 40.
Retire at 45
How much to save, what to invest, and what to tweak for age 45.
Retire at 50
How much to save, what to invest, and what to tweak for age 50.
Retire at 55
How much to save, what to invest, and what to tweak for age 55.
Retire at 60
How much to save, what to invest, and what to tweak for age 60.
Retire at 65
How much to save, what to invest, and what to tweak for age 65.
Retire at 70
How much to save, what to invest, and what to tweak for age 70.

Ready to see the numbers?

Put theory into practice with our interactive projection tool.

Launch Calculator