Coast Fire Series
A 9-part guide
This 9-part series provides comprehensive coverage of Coast Fire. Topics include Coast Fire, Barista Fire, Fat Fire Vs Lean Fire, The 4 Percent Rule, Tax Optimization Early Retirees, Geo Arbitrage Scenarios, Healthcare Before 65, One More Year Syndrome, Fire With Kids.
Articles in this series
Coast Fire
Coast FIRE: Work Less Now, Retire Later (The Math) ================================================== Most FIRE conversations center on a single question: how fast can you accumulate enough to...
Barista Fire
Barista FIRE: Why Partial Retirement Is a Hedge =============================================== The standard FIRE narrative runs in one direction: accumulate aggressively, hit a number, retire...
Fat Fire Vs Lean Fire
Fat FIRE vs. Lean FIRE: Which Matches Your Psychology? ======================================================= The FIRE community uses "Lean" and "Fat" as shorthand for two ends of a spectrum...
The 4 Percent Rule
The 4% Rule: When It Fails (Sequence of Returns Risk) ====================================================== The 4% rule is the closest thing to a consensus principle in retirement planning....
Tax Optimization Early Retirees
Tax Optimization for Early Retirees: Roth Ladder vs. 72(t) =========================================================== Accumulating a large retirement portfolio is one problem. Accessing it before...
Geo Arbitrage Scenarios
Geo-arbitrage Scenarios: Retiring in Low-Cost Countries ======================================================== A $1,000,000 portfolio at a 4% withdrawal rate generates $40,000 per year. In San...
Healthcare Before 65
Healthcare Before 65: ACA Subsidy Hacks ======================================== For most early retirees in the United States, healthcare is the largest single variable in the financial plan—and...
One More Year Syndrome
The "One More Year" Syndrome: Fear-Driven Over-Saving ====================================================== You've done the math. Your portfolio covers your projected expenses at a safe...
Fire With Kids
FIRE with Kids: 529s vs. UTMA Tradeoffs ======================================== Pursuing financial independence with children in the picture requires reconciling two financial goals that often...