Independence

Work-optional living, FIRE flavours without the cult, the number, and life after the plan.

Personal Finance 301 · Beginner · 50–60 min · Start reading

Articles in this series

What independence means (6 min) — Independence is the month when work becomes optional. Not the month you never work again.
Types of FIRE without the cult (7 min) — Lean / regular / fat / coast are spending levels, not identities.
The number (8 min) — Annual must-pay times a multiplier is a sketch. Know what the sketch ignores.
Withdrawal and longevity (7 min) — The danger is retiring into a crash and selling the garden. Plans may need 30–40 years.
Myths that break people (7 min) — A short list of sentences that sound clean and fail in weather.
First calculation (8 min) — Write the sketch. Label every output “sketch.”
After the plan (6 min) — A number without a map for other people is half a plan.

Educational only — not investment advice.