Financial Independence and Retire Early
Posts about the Financial Independence and Retire Early (FIRE) philosophy. Being Financially Independent (FI) will let you have the choice of what you want to do in your life. Financial Independence or Financial Freedom is something a lot of people are aiming for. Find how to become FI quickly. With FIRE, if you want it is possible to retire early. Of course, it requires some effort. But it may be simpler than you think!
Featured Content
Updated Trinity Study for 2026- More Withdrawal Rates!
Is the 4% rule dead? We updated the Trinity Study with recent market data to see if the safe withdrawal rate still holds for early retirees.Recent Content
How can you plan to die with zero?
Review of Die with Zero by Bill Perkins: Learn why maximizing experiences may matter more than net worth and how to apply these strategies.
Some extra income in retirement goes a long way
Planning to retire early and looking to increase your chances? Would income in retirement help your chances of success? We do the test!
The best and worst times to retire early
Timing is everything. We look at historical data to find the best and worst times to retire early and how market valuations predict success.
Should you sell stocks or bonds in retirement?
Withdrawal Strategy. Should you sell stocks or bonds first in retirement? We simulate different strategies to find the one that preserves your capital.
Can flexibility help your early retirement?
Can you withdraw more money from your portfolio if you have flexibility with your expenses in retirement? We find out with many simulations.
Should you use a dynamic withdrawal rate?
Flexible spending. Learn how using a Dynamic Withdrawal Rate (like the CAPE method) can increase your safe withdrawal rate and reduce failure risk.
Trinity Study with world stocks in 2026
Global FIRE? We test the Trinity Study (4% Rule) using World Stocks data instead of US stocks to see if safe withdrawal rates hold up globally.
6 keys to avoid the pitfalls of financial independence
The dark side of FIRE. We discuss the potential pitfalls of pursuing Financial Independence, from burnout to social isolation, and how to avoid them.
Early retirement and social security
How can we factor social security into early retirement scenarios? Social security may be interesting, but it needs to be well planned.
Equity Glidepaths in Retirement
Reduce sequence risk. Learn how an Equity Glidepath (increasing stocks after retiring) can improve your portfolio's survival rate.
Happily Back to work after 1 year of retirement – Dror’s Story
After one year of retirement, Dror is going back to work and building a coaching business. We catch up and see what happened!