FIRE as a planning language, not a personality cult
Financial independence math asks how large a portfolio might need to be to fund a spending level. This FIRE calculator keeps the classic loops—spending, savings, a withdrawal heuristic—so you can test whether a lifestyle is close, far, or mispriced.
Stress reality
Healthcare, kids, and market winters do not care about slogans. Re-run with higher spending and lower returns. Pair with emergency fund and SWP thinking. Not personalised advice.