Started off with basic formats for each month with a budget, and now I'm up to 22 tabs (one per month, paychecks, cash flow totals, banking snapshots, graphs, 401(k), car payments, real estate, etc.).įor net worth tracking, I've got monthly data back to 2012, and future projections total % increase each month, then average over number of months of data, then applied to current totals. u/EngagingData's Early Retirement FIRE CalculatorĮxcel.Money Mustache, Wade Pfau, etc., have been archived here. "Build the life you want, then save for it."Īrchive of previous Daily Discussion threads.Īrchive of previous "Help Me FIRE!" threads.ĪMAs with William Bengen, Mr.
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Please read the FAQ and Rules above, then feel free to share your journey or ask for advice! When participating on this subreddit, please be mindful of the ways in which you are lucky. Taking the slow road, or the traditional road to retirementīecoming financially independent requires hard work and a healthy attitude towards money, but also a degree of privilege.
Gaining wealth for the purpose of excessive consumption Investing to make your money work for you, and learning to manage/optimize those investments for the unique nature of FI/RE Striving to save a large percentage (usually more than 50%) of your income to accelerate achieving FI Working to increase your income and income streams with projects, side-gigs, and additional effort Your wants and needs aren't written in stone, and less spending is powerful at any income level. Simplifying and redesigning your lifestyle to reduce spending.
The purpose of this subreddit is to discuss FI/RE strategies, techniques, and lifestyles whether you are retired or not.ĭiscovering and achieving life goals: “What would I do with my life if I didn't have to work for money?" This subreddit deals primarily with Financial Independence, but additionally with some "RE" concepts.Īt its core, FI/RE is about maximizing your savings rate (through less spending and/or earning higher income) to achieve FI and have the freedom to RE as soon as you wish. This is a place for people who are or who want to become Financially Independent ( FI), which means not having to work for money.īefore proceeding further, please read the Rules & FAQ! Rulesįinancial Independence is closely related to the concept of Early Retirement/Retiring Early ( RE) - quitting your job/career and pursuing other activities with your time.
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