Rule of 25 · 4% Safe Withdrawal Rate · When can you reach financial independence?
FIRE Number (Rule of 25)
$1.3M
4% safe withdrawal = $50K/yr
Regular FIRE
Retire at 48 — year 2044
Portfolio at retirement: $2.3M
Coast FIRE
Age 34
No more savings needed to retire at 65
Barista FIRE
Age 44
Part-time $20K/yr + 4% withdrawal covers expenses