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
Can you retire early with a robo-advisor?
Most retirement simulations assume DIY investing and low fees, but can you also retire early with a Robo-advisor and higher fees? We will find out!
How to implement the Trinity study in 2026
Apply the 4% Rule. Practical steps to implement the findings of the Trinity Study in your own retirement plan and withdraw funds safely.
What is a failsafe withdrawal rate?
Is any rate safe? We explore if a "failsafe" withdrawal rate exists for early retirement and how to protect your portfolio from total failure.
Can you retire with cash instead of bonds?
Cash vs Bonds. Can you replace bonds with cash in your retirement portfolio? We analyze the impact on volatility and long-term returns.
Retire Early: The Simple Guide – I wrote a book
I wrote a book, Retire Early: The Simple Guide, with Thomas Walke, another Swiss blogger. Our book is about the basics of early retirement.
9 Reasons to Aim for Financial Independence
Why pursue Financial Independence? Discover the benefits of FIRE, from freedom and flexibility to reducing stress and owning your time.
Should you use a cash cushion in retirement?
Does a cash cushion help your chances of success in retirement? We find out with a ton of historical data and some simulations!
Should you rebalance your portfolio in retirement?
Keep your risk in check. Learn why and how to rebalance your investment portfolio to maintain your target asset allocation and reduce risk.
Add some margin of safety to your FIRE plan
A good FIRE plan relies on historical data, so we need to protect it with some margin of safety! Here are some ways to achieve extra safety!
How to choose a Safe Withdrawal Rate?
Your Safe Withdrawal Rate (SWR) is a fundamental piece of your retirement planning, here is a step-by-step guide on how to choose it for you!
All you need to know about the Trinity Study
The 4% Rule explained. Learn about the famous Trinity Study, how it determined safe withdrawal rates, and what it means for early retirement.