The FIRE (Financial Independence, Retire Early) section of the blog focuses on what comes after wealth accumulation. Here, you’ll explore FI math, withdrawal strategies, sequence of returns risk, and decumulation planning. This is where your portfolio meets real-life lifestyle decisions, helping you transition from accumulation to sustainable freedom.
1. Financial Independence Foundations
Before planning early retirement, it’s essential to understand the numbers, milestones, and strategies that make financial independence possible:
Setting Goals & Understanding FI Numbers
Numbers to be financially independent – calculate your personal FI target and understand what it takes to reach it.
Achieving financial independence: embracing milestones and pursuing freedom – breaking FI into actionable steps and milestones.
Early Retirement Basics
Early retirement – what early retirement means and how to plan for it.
4% rule for early retirement – understanding withdrawal rates and sustainability.
2. Income & Withdrawal Strategies
After reaching FI, generating sustainable cash flow and managing withdrawals become the focus:
Passive Income Streams
Passive incomes – overview of potential passive income sources.
Passive income: a more in-depth analysis – deeper dive into structuring and optimizing passive streams.
Withdrawal Planning & Decumulation
Dolce vita – balancing lifestyle aspirations with portfolio sustainability.
Financial freedom – strategies for maintaining freedom without risking your capital.
Geoarbitrage for financial independence – using location and cost-of-living differences to extend FI wealth.
3. How to Use the FIRE Section
Start with Financial Independence Foundations to understand your numbers, milestones, and the framework for early retirement.
Progress to Income & Withdrawal Strategies to learn how to generate cash flow, manage withdrawals, and mitigate sequence risk.
Use the insights to plan a lifestyle that aligns with your financial freedom goals, while preserving sustainability and flexibility.
This structure ensures a clear path from calculating FI to living it confidently, bridging the gap between wealth accumulation and early retirement lifestyle planning.