FIRE Projections & Planning Your Exit

So, you’ve been saving, investing, and making progress toward FIRE—now it’s time to figure out exactly when you can retire and how to make withdrawals without running out of money.

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⏳ How Long Until You Can Retire?

The simplest way to estimate your FIRE timeline is with this formula:

Fire Years = (Fire Number - Current Savings) / Annual Savings

Example Calculation:

• You need $1 million to retire (FIRE Number).
• You currently have $250,000 saved (Current Savings).
• You are saving $50,000 per year (Annual Savings).

(1,000,000 - 250,000 ) / 50,000

✅ Result: You will reach FIRE in 15 years! 🚀

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⚡ How to Speed Up Your FIRE Timeline

You can retire faster by:

✔ Saving More – Increase your savings rate by cutting unnecessary expenses.
✔ Increasing Your Income – Side hustles, raises, or higher-paying jobs accelerate your timeline.
✔ Reducing Expenses – A lower FIRE Number means you need less to retire.

💡 Every extra dollar saved moves your retirement date closer!

By optimizing your savings, income, and expenses, you can reach FIRE sooner and gain financial freedom faster. 🔥💰