Guides
Longer reads for the big decisions, each built around a calculator you can run with your own numbers.
Start here
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How Much Do I Really Need to Retire?
Spending × 25 is the start; the five variables that move the real number.
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The 6 Paths to Financial Freedom
Lean, Regular, Fat, Coast, Barista and Geographic Arbitrage FIRE, side by side.
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Rent vs Buy: The Complete Decision Guide
The 5% rule, the 5-year breakeven and the questions to answer first.
FIRE by profession
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Software Engineers
RSU vesting, ISO AMT, mega backdoor Roth and golden handcuffs.
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Doctors & Nurses
Late starts, student debt, PSLF, 457(b) plans and disability risk.
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Teachers
Defined-benefit pensions, the 403(b) annuity trap and summer income.
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Government Workers
FERS, TSP, FEHB in retirement, MRA timing and the annuity supplement.
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Freelancers
Solo 401(k) vs SEP-IRA, self-employment tax and estimated-tax safe harbor.
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Small Business Owners
Entity choice, the QBI deduction, defined-benefit plans and succession.