From 14834024ec5ce30f521bee19f840208da0566ced Mon Sep 17 00:00:00 2001
From: Felix Schulze <admin@schulze.network>
Date: Sat, 6 Dec 2025 15:20:23 +0100
Subject: [PATCH] FAQs

---
 src/app/components/FaqSection.tsx             | 44 +++++++++++++++++++
 .../learn/coast-fire-vs-lean-fire/page.tsx    | 36 +++++++++++++++
 .../page.tsx                                  | 36 +++++++++++++++
 src/app/learn/what-is-fire/page.tsx           | 38 +++++++++++++++-
 4 files changed, 153 insertions(+), 1 deletion(-)
 create mode 100644 src/app/components/FaqSection.tsx

diff --git a/src/app/components/FaqSection.tsx b/src/app/components/FaqSection.tsx
new file mode 100644
index 0000000..bf24794
--- /dev/null
+++ b/src/app/components/FaqSection.tsx
@@ -0,0 +1,44 @@
+import { Accordion, AccordionContent, AccordionItem, AccordionTrigger } from '@/components/ui/accordion';
+
+export interface FaqItem {
+  question: string;
+  answer: string;
+}
+
+interface FaqSectionProps {
+  faqs: FaqItem[];
+  className?: string;
+}
+
+export function FaqSection({ faqs, className }: Readonly<FaqSectionProps>) {
+  // JSON-LD FAQPage schema
+  const jsonLd = {
+    '@context': 'https://schema.org',
+    '@type': 'FAQPage',
+    mainEntity: faqs.map((faq) => ({
+      '@type': 'Question',
+      name: faq.question,
+      acceptedAnswer: {
+        '@type': 'Answer',
+        text: faq.answer,
+      },
+    })),
+  };
+
+  return (
+    <section className={className}>
+      <script type="application/ld+json" dangerouslySetInnerHTML={{ __html: JSON.stringify(jsonLd) }} />
+
+      <h2 className="mb-6 text-2xl font-bold">Frequently Asked Questions</h2>
+
+      <Accordion type="single" collapsible className="w-full">
+        {faqs.map((faq) => (
+          <AccordionItem key={faq.question} value={faq.question}>
+            <AccordionTrigger className="text-left">{faq.question}</AccordionTrigger>
+            <AccordionContent className="text-muted-foreground">{faq.answer}</AccordionContent>
+          </AccordionItem>
+        ))}
+      </Accordion>
+    </section>
+  );
+}
diff --git a/src/app/learn/coast-fire-vs-lean-fire/page.tsx b/src/app/learn/coast-fire-vs-lean-fire/page.tsx
index 5238161..03b2bd7 100644
--- a/src/app/learn/coast-fire-vs-lean-fire/page.tsx
+++ b/src/app/learn/coast-fire-vs-lean-fire/page.tsx
@@ -4,6 +4,40 @@ import { Separator } from '@/components/ui/separator';
 import { Card, CardContent, CardHeader, CardTitle } from '@/components/ui/card';
 import { CoastFireChart } from '@/app/components/charts/CoastFireChart';
 import { AuthorBio } from '@/app/components/AuthorBio';
+import { FaqSection, type FaqItem } from '@/app/components/FaqSection';
+
+const faqs: FaqItem[] = [
+  {
+    question: 'What is the main difference between Coast FIRE and Lean FIRE?',
+    answer:
+      'Coast FIRE focuses on front-loading your savings early so compound interest does the rest—you still work but only to cover current expenses. Lean FIRE means fully retiring but on a minimal budget, typically under $40,000/year.',
+  },
+  {
+    question: 'How do I calculate my Coast FIRE number?',
+    answer:
+      'Your Coast FIRE number depends on your target retirement age, expected investment returns, and desired retirement spending. Use the formula: Coast Number = Target FIRE Number ÷ (1 + annual return)^(years until traditional retirement). Our calculator handles this automatically.',
+  },
+  {
+    question: 'Is Lean FIRE sustainable long-term?',
+    answer:
+      'Lean FIRE can be sustainable if you genuinely enjoy a minimalist lifestyle and have low-cost hobbies. However, it has less margin for unexpected expenses like healthcare or inflation spikes. Consider building a buffer or having flexible spending categories.',
+  },
+  {
+    question: 'Can I combine Coast FIRE and Lean FIRE strategies?',
+    answer:
+      'Absolutely. Many people save aggressively (Lean FIRE mindset) to hit their Coast number early, then switch to a lower-stress job while their investments compound. This hybrid approach offers flexibility and reduced burnout.',
+  },
+  {
+    question: 'Which strategy is better for someone in their 20s?',
+    answer:
+      'Coast FIRE often works well for young savers because you have decades for compound growth. Save aggressively for 10-15 years, hit your Coast number, then enjoy career flexibility. Lean FIRE might suit those who want to exit the workforce entirely ASAP.',
+  },
+  {
+    question: 'What are the biggest risks of each strategy?',
+    answer:
+      'Coast FIRE risks include poor market returns during your coasting years or lifestyle inflation. Lean FIRE risks include unexpected expenses, healthcare costs, or finding the frugal lifestyle unsustainable over decades.',
+  },
+];
 
 export const metadata = {
   title: `Coast FIRE vs. Lean FIRE: Which Strategy Is Right For You? (${new Date().getFullYear().toString()})`,
@@ -180,6 +214,8 @@ export default function CoastVsLeanPage() {
           The most important step is to just <strong>start</strong>.
         </p>
 
+        <FaqSection faqs={faqs} className="my-12" />
+
         <AuthorBio />
       </div>
     </article>
diff --git a/src/app/learn/safe-withdrawal-rate-4-percent-rule/page.tsx b/src/app/learn/safe-withdrawal-rate-4-percent-rule/page.tsx
index 54db9f7..7945c56 100644
--- a/src/app/learn/safe-withdrawal-rate-4-percent-rule/page.tsx
+++ b/src/app/learn/safe-withdrawal-rate-4-percent-rule/page.tsx
@@ -4,6 +4,40 @@ import { Alert, AlertDescription, AlertTitle } from '@/components/ui/alert';
 import { Info } from 'lucide-react';
 import { FourPercentRuleChart } from '@/app/components/charts/FourPercentRuleChart';
 import { AuthorBio } from '@/app/components/AuthorBio';
+import { FaqSection, type FaqItem } from '@/app/components/FaqSection';
+
+const faqs: FaqItem[] = [
+  {
+    question: 'What is the 4% rule and where does it come from?',
+    answer:
+      'The 4% rule comes from the Trinity Study (1998), which analyzed historical data to find a sustainable withdrawal rate. It states that withdrawing 4% of your initial portfolio in year one, then adjusting for inflation each year, has historically survived 95% of 30-year periods.',
+  },
+  {
+    question: 'Is 4% still safe for early retirees?',
+    answer:
+      'For early retirees with 40-50+ year horizons, many experts recommend a more conservative 3.25-3.5% withdrawal rate. The original study only covered 30-year periods, and current market valuations may lead to lower future returns.',
+  },
+  {
+    question: 'What is sequence of returns risk?',
+    answer:
+      'Sequence of returns risk is the danger of experiencing poor market returns early in retirement. If you withdraw from a declining portfolio, you sell more shares to maintain income, leaving less to recover when markets rebound. This can deplete your portfolio even if long-term average returns are good.',
+  },
+  {
+    question: 'Should I withdraw 4% of my current balance each year?',
+    answer:
+      'No. The 4% rule uses your initial retirement portfolio value. You withdraw 4% of that starting amount, then increase it by inflation each year—regardless of market performance. Some prefer percentage-of-portfolio strategies, which adjust spending to market conditions.',
+  },
+  {
+    question: 'What is the guardrails withdrawal strategy?',
+    answer:
+      'The guardrails approach sets upper and lower bounds on spending. If your portfolio drops significantly, you reduce withdrawals (skip discretionary spending). If it grows substantially, you give yourself a raise. This flexibility dramatically improves portfolio survival rates.',
+  },
+  {
+    question: 'How does inflation affect the 4% rule?',
+    answer:
+      'Inflation is built into the 4% rule—you increase withdrawals by the inflation rate each year to maintain purchasing power. However, periods of unexpectedly high inflation (like recent years) can stress portfolios more than historical averages suggest.',
+  },
+];
 
 export const metadata = {
   title: 'Safe Withdrawal Rates & The 4% Rule Explained (2025 Update)',
@@ -158,6 +192,8 @@ export default function SafeWithdrawalPage() {
           trigger on retirement.
         </p>
 
+        <FaqSection faqs={faqs} className="my-12" />
+
         <AuthorBio />
       </div>
     </article>
diff --git a/src/app/learn/what-is-fire/page.tsx b/src/app/learn/what-is-fire/page.tsx
index c0f5267..8f71fdb 100644
--- a/src/app/learn/what-is-fire/page.tsx
+++ b/src/app/learn/what-is-fire/page.tsx
@@ -2,6 +2,40 @@ import Link from 'next/link';
 import { Button } from '@/components/ui/button';
 import { FireFlowchart } from '@/app/components/charts/FireFlowchart';
 import { AuthorBio } from '@/app/components/AuthorBio';
+import { FaqSection, type FaqItem } from '@/app/components/FaqSection';
+
+const faqs: FaqItem[] = [
+  {
+    question: 'How much money do I need to achieve FIRE?',
+    answer:
+      'The amount depends on your annual expenses. Using the Rule of 25, multiply your yearly spending by 25. For example, if you spend $40,000 per year, you need $1,000,000 invested. This is based on the 4% safe withdrawal rate.',
+  },
+  {
+    question: 'What savings rate do I need to retire early?',
+    answer:
+      'The higher your savings rate, the faster you can retire. At a 50% savings rate, you can retire in about 17 years. At 70%, it drops to around 8.5 years. The key is the gap between your income and expenses, not your absolute income.',
+  },
+  {
+    question: 'Is FIRE only for high-income earners?',
+    answer:
+      'No. While higher income makes it easier, FIRE is fundamentally about the savings rate—the percentage of income you save. Someone earning $50,000 saving 50% can reach FIRE faster than someone earning $200,000 saving 10%.',
+  },
+  {
+    question: 'What is the difference between Lean FIRE and Fat FIRE?',
+    answer:
+      'Lean FIRE means retiring on a minimal budget (typically under $40,000/year), requiring a smaller nest egg but more frugal living. Fat FIRE means retiring with a larger budget ($100,000+/year) for a more comfortable lifestyle, requiring a much larger portfolio.',
+  },
+  {
+    question: 'Where should I invest for FIRE?',
+    answer:
+      'Most FIRE practitioners favor low-cost index funds (like total stock market funds) due to their diversification and minimal fees. Tax-advantaged accounts (401k, IRA, Roth IRA) should generally be maxed out before taxable accounts.',
+  },
+  {
+    question: 'Can I still pursue FIRE if I have debt?',
+    answer:
+      'Yes, but prioritization matters. High-interest debt (credit cards, personal loans) should typically be paid off first. Low-interest debt like mortgages can often be managed alongside investing, depending on rates and your risk tolerance.',
+  },
+];
 
 export const metadata = {
   title: `What is FIRE? The Ultimate Guide to Financial Independence (${new Date().getFullYear().toString()})`,
@@ -136,7 +170,7 @@ export default function WhatIsFirePage() {
           </Link>
         </div>
 
-        <h2>Types of FIRE</h2>
+        <h2 id="types-of-fire">Types of FIRE</h2>
         <p>FIRE isn&apos;t one-size-fits-all. Over the years, several variations have emerged:</p>
         <ul>
           <li>
@@ -182,6 +216,8 @@ export default function WhatIsFirePage() {
           best time to plant a tree was 20 years ago. The second best time is today.
         </p>
 
+        <FaqSection faqs={faqs} className="my-12" />
+
         <AuthorBio />
       </div>
     </article>