FIRE Strategy Planner

FI Number: $60,000 × 25 = $1,500,000 (4% withdrawal rate with 95%+ historical success over 40-year retirement). Variant Recommendation: Regular FIRE — your $60K spending target is comfortable, not lean. Current Trajectory (32% savings rate, 7% real return): FI at age 47 — 14 years. Sensitivity Analysis: - 40% savings rate ($58K/yr): FI at age 44 — 11 years - 50% savings rate ($72.5K/yr): FI at age 42 — 9 years - 60% savings rate ($87K/yr): FI at age 40 — 7 years Biggest Lever: Each $10K/year increase in savings rate saves approximately 1.5–2 years on your timeline. Account Sequencing: Build Roth IRA ladder starting 5 years before target FI date. Use taxable brokerage as bridge account for first 5 years. Healthcare Bridge: Budget $18,000–$24,000/yr for marketplace ACA coverage pre-65.