What is the 4% Safe Withdrawal Rate (SWR) rule in FIRE?

The 4% rule, originating from the Trinity Study, posits that an investor can withdraw 4% of their initial portfolio value in the first year of retirement (adjusted for inflation each year thereafter) with a 95%+ probability of their portfolio lasting at least 30 years in a balanced stock/bond allocation.

What is the difference between Lean FIRE, FIRE, and Fat FIRE?

Lean FIRE targets covering bare-bones essential living expenses (~75% of baseline), standard FIRE covers current comfortable living expenses (25x annual spending), and Fat FIRE provides a luxurious retirement lifestyle (150%+ of baseline spending).

How does Systematic Investment Planning (SIP) / Dollar-Cost Averaging (DCA) work?

SIP/DCA involves investing a fixed sum of money at regular monthly intervals regardless of market fluctuations. Over long time horizons, compound interest and market expansion generate exponential capital growth.

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Financial Independence Parameters

Current Age (30 yrs)

Current Portfolio / Net Worth ($)

Annual Living Expenses ($)

Annual Income ($)

Expected Portfolio Return (%)

Safe Withdrawal Rate (%)

Lean FIRE Target (75%)$843,750

Primary FIRE Target$1,125,000

Fat FIRE Target (150%)$1,687,500

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Time to Financial Freedom

15 Years (Age 45)

Current Progress:4.4%

Annual Savings Rate:$40,000 (47.1%)

Monthly Passive Income:$3,750/mo