Financial Independence Guides
In-depth guides on FIRE planning, retirement math, and building wealth — with real numbers and examples.
How Much Do I Need to Retire at 40?
The exact number, withdrawal rate, and strategies for a 50-year retirement horizon.
Read guide →Coast FIRE Number by Age
Complete tables showing your Coast FIRE number at 25, 30, 35, 40, and 45.
Read guide →Compound Interest with Monthly Contributions
How monthly contributions supercharge compound growth — with real examples and tables.
Read guide →FIRE Number with Pension or Social Security
How pension and SS income can reduce your FIRE number by hundreds of thousands.
Read guide →What Is a Good Net Worth by Age?
2026 benchmarks, Federal Reserve data, and income-based targets for every age.
Read guide →What Are These Guides?
These guides go deeper than the calculators — they explain the math, show real examples with specific numbers, and answer the questions people actually search for. Each guide is paired with a free calculator so you can apply the concepts to your own situation immediately.
Who Are They For?
Anyone planning for financial independence, whether you're just starting out or already deep into your FIRE journey. The guides assume no prior knowledge — every concept is explained from scratch with concrete numbers.