Category: FIRE
FIRE Decision Tree: Buy vs Rent vs Relocate in 5 Minutes
Buy, rent, or relocate? Run this FIRE decision tree in 5 minutes: tenure buckets, mortgage rate, transaction frictions — decided...
FIRE Stress Test: Will Your Plan Survive a Bad Decade?
Most FIRE plans assume average years. This 10-question stress test finds your weak spot — sequence risk, inflation, job loss...
Sequence-of-Returns Risk When Your Income Is the Business (Not a Portfolio)
Most FIRE frameworks treat sequence-of-returns risk as a portfolio problem — but for founders drawing variable business income, the real...
Can Your Business Equity Count Toward Your Coast FIRE Number?
Most FIRE content ignores illiquid business equity entirely. Here is a founder-specific framework to risk-adjust your business valuation, blend it...
Barista FIRE Is Broken for Founders — Here’s the Healthcare Plan B
The 2026 ACA subsidy cliff adds $16K+ to Barista FIRE healthcare costs. For founders, a lean recurring-revenue business replaces the...
HSA as a Stealth Retirement Account: 2026 Triple-Tax Strategy for Founders
Most founders drain their HSA on current medical costs—missing its most powerful use as a triple-tax-advantaged retirement account. Here is...
The SECURE 2.0 Roth Catch-Up Trap: Solo 401(k) Owners Earning $150K+ Have a New 2026 Rule
Starting 2026, SECURE 2.0 makes catch-up contributions Roth-mandatory for Solo 401(k) owners earning over $150K — and if your plan...
Counting Your Business Equity in Your FI Number (2026 Framework)
Most bootstrapped founders either ignore their business equity or count it at face value when calculating their FI number —...
Why Social Media Might Be Hurting Your FIRE Dreams
Social media may derail your FIRE goals. See how it drives overspending and anxiety, and learn how to protect your...
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