How it works
FIRE (Financial Independence, Retire Early) hinges on the 4% rule: divide your annual spending by your withdrawal rate to get the nest egg you'd need to live off indefinitely. Break your target down further — Lean, Coast, or Fat FIRE — depending on how much cushion you want.
FAQ
Q. Why specifically 4%?
A. The 4% figure comes from the U.S. Trinity Study, which found it had the highest odds of lasting 30+ years without depleting the portfolio. For a more conservative plan, try 3–3.5%.