Question 1

What is the 4% rule?

Accepted Answer

The 4% rule says you can withdraw 4% of your portfolio annually without running out of money over 30 years.

Question 2

What is Lean FIRE vs Fat FIRE?

Accepted Answer

Lean covers basic expenses (60% spending), Fat allows 50% more luxury spending.

Question 3

What is Coast FIRE?

Accepted Answer

When existing savings will grow to FIRE number by age 65 without additional contributions.

Question 4

Is 7% return realistic?

Accepted Answer

The S&P 500 historically returns ~10% nominal, ~7% real (after inflation).

Question 5

Include home equity?

Accepted Answer

Generally no unless you plan to sell. Include investment accounts and liquid assets.

나의 FIRE 숫자 is closer than you think

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