update SEO texts
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src/app/page.tsx
391
src/app/page.tsx
@ -10,9 +10,9 @@ import Footer from "./components/footer";
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export default function HomePage() {
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return (
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<main className="text-primary-foreground to-destructive from-secondary flex min-h-screen flex-col items-center bg-gradient-to-b p-4">
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<main className="text-primary-foreground to-destructive from-secondary flex min-h-screen flex-col items-center bg-gradient-to-b p-2">
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<div className="mx-auto flex flex-col items-center justify-center gap-4 text-center">
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<div className="flex flex-row flex-wrap items-center justify-center gap-4 align-middle">
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<div className="mt-8 flex flex-row flex-wrap items-center justify-center gap-4 align-middle">
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<Image
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src="/investingfire_logo_no-bg.svg"
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alt="InvestingFIRE Logo"
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@ -35,26 +35,32 @@ export default function HomePage() {
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<div className="mx-auto max-w-2xl py-12 text-left">
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<section className="mb-12">
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<h2 className="mb-4 text-3xl font-bold">
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What is FIRE? Understanding Financial Independence and Early
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What Is FIRE? Understanding Financial Independence and Early
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Retirement
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</h2>
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<p className="mb-4 text-lg leading-relaxed">
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FIRE stands for "Financial Independence, Retire Early."
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It's a movement focused on aggressive saving and strategic
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investing to build a substantial portfolio. The goal is for
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investment returns to cover living expenses indefinitely, freeing
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you from traditional employment. Achieving FIRE means gaining the
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freedom to pursue passions, travel, or simply enjoy life without
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needing a regular paycheck. Sound investing advice is crucial for
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building the wealth needed.
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FIRE stands for{" "}
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<strong>Financial Independence, Retire Early</strong>. It's a
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lifestyle movement built around two core ideas:
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</p>
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<ul className="mb-4 ml-6 list-disc space-y-2 text-lg">
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<li>
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<strong>Aggressive saving & investing</strong>—often 50%+ of
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income—so your capital grows rapidly.
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</li>
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<li>
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<strong>Passive-income coverage</strong>—when your investment
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returns exceed your living expenses, you gain freedom from a
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traditional 9-5.
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</li>
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</ul>
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<p className="text-lg leading-relaxed">
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The core principle involves maximizing your savings rate (often
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50%+) and investing wisely, typically in low-cost, diversified
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assets like index funds. Your "FIRE number" – the capital
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needed – is often estimated as 25 times your desired annual
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spending, derived from the 4% safe withdrawal rate guideline. This
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FIRE calculator helps you personalize this estimate.
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By reaching your personal <em>FIRE Number</em>—the nest egg needed
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to cover your inflation-adjusted spending—you unlock the option to
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step away from a daily paycheck and pursue passion projects, travel,
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family, or anything else. This calculator helps you simulate your
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journey, estimate how much you need, and visualize both your
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accumulation phase and your retirement withdrawals over time.
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</p>
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</section>
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@ -63,51 +69,58 @@ export default function HomePage() {
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How This FIRE Calculator Provides Investing Insights
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</h2>
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<p className="mb-4 text-lg leading-relaxed">
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This calculator helps visualize your path to FIRE by projecting
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investment growth based on your inputs. Understanding these
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projections is a key piece of investing advice for long-term
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planning. Here's a breakdown of the inputs:
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Our interactive tool goes beyond a simple “25x annual spending”
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rule. It runs a <strong>year-by-year simulation</strong> of your
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portfolio, combining:
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</p>
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<ul className="mb-4 ml-6 list-disc space-y-2 text-lg">
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<li>
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<strong>Starting Capital:</strong> The total amount you currently
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have invested.
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<strong>Starting Capital</strong>—your current invested balance
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</li>
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<li>
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<strong>Monthly Savings:</strong> The amount you consistently save
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and invest each month.
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<strong>Monthly Savings</strong>—ongoing contributions to your
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portfolio
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</li>
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<li>
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<strong>Current Age:</strong> Your current age in years.
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<strong>Expected Annual Growth Rate (CAGR)</strong>—compounding
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returns before inflation
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</li>
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<li>
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<strong>Expected Annual Growth Rate (%):</strong> The average
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annual return you expect from your investments (after fees, before
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inflation).
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<strong>Annual Inflation Rate</strong>—to inflate your target
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withdrawal each year
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</li>
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<li>
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<strong>Desired Monthly Allowance (Today's Value):</strong>{" "}
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How much you want to be able to spend each month in retirement, in
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today's money value.
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<strong>Desired Monthly Allowance</strong>—today's-value
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spending goal
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</li>
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<li>
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<strong>Annual Inflation Rate (%):</strong> The expected average
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rate at which the cost of living will increase.
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<strong>Retirement Age & Life Expectancy</strong>—defines your
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accumulation horizon and payout period
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</li>
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</ul>
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<p className="text-lg leading-relaxed">Key features:</p>
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<ul className="mb-4 ml-6 list-disc space-y-2 text-lg">
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<li>
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<strong>Real-time calculation</strong>—as you tweak any input,
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your FIRE Number and chart update instantly.
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</li>
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<li>
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<strong>Life Expectancy (Age):</strong> The age until which you
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want your funds to last.
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<strong>Interactive chart</strong> with area plots for both{" "}
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<em>portfolio balance</em> and{" "}
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<em>inflation-adjusted allowance</em>, plus reference lines
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showing your retirement date and required FIRE Number.
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</li>
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<li>
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<strong>Custom simulation</strong>—switches from accumulation
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(adding savings) to retirement (withdrawing allowance),
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compounding each year based on your growth rate.
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</li>
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</ul>
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<p className="text-lg leading-relaxed">
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The calculator simulates your investment growth year by year,
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incorporating monthly contributions, the power of compound growth (a
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core investing principle), and inflation's impact on your
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target allowance. It estimates the age at which your capital could
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sustain your desired, inflation-adjusted monthly spending throughout
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your expected retirement until your specified life expectancy. It
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calculates your potential "FIRE Number" and the age you
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might reach financial independence.
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With this level of granularity, you can confidently experiment with
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savings rate, target retirement age, and investment assumptions to
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discover how small tweaks speed up or delay your path to financial
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independence.
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</p>
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</section>
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@ -118,86 +131,106 @@ export default function HomePage() {
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<Accordion type="single" collapsible className="w-full">
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<AccordionItem value="item-1">
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<AccordionTrigger className="text-xl font-semibold">
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What is the 4% rule?
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What methodology does this calculator use?
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</AccordionTrigger>
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<AccordionContent className="text-lg leading-relaxed">
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The 4% rule is a guideline suggesting that you can safely
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withdraw 4% of your investment portfolio's value in your
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first year of retirement, and then adjust that amount for
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inflation each subsequent year, with a high probability of your
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money lasting for at least 30 years. This calculator uses a more
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dynamic simulation based on your life expectancy but is related
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to this concept.
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We run a multi-year projection in two phases:
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<ol className="ml-6 list-decimal space-y-1">
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<li>
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<strong>Accumulation:</strong> Your balance grows by CAGR
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and you add monthly savings.
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</li>
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<li>
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<strong>Retirement:</strong> The balance continues
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compounding, but you withdraw an inflation-adjusted monthly
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allowance.
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</li>
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</ol>
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The result: a precise estimate of the capital you'll have
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at retirement (your “FIRE Number”) and how long it will last
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until your chosen life expectancy.
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</AccordionContent>
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</AccordionItem>
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<AccordionItem value="item-2">
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<AccordionTrigger className="text-xl font-semibold">
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Is the Expected Growth Rate realistic? Finding the right
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investing advice often starts here.
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Why isn't this just the 4% rule?
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</AccordionTrigger>
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<AccordionContent className="text-lg leading-relaxed">
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Historically, diversified stock market investments have returned
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around 7-10% annually long-term (before inflation). A rate of 7%
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(after fees) is common, but remember past performance
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doesn't guarantee future results, a fundamental piece of
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investing advice. Choose a rate reflecting your risk tolerance
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and investment strategy.
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The 4% rule is a useful starting point (25× annual spending),
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but it assumes a fixed withdrawal rate with inflation
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adjustments and doesn't model ongoing savings or dynamic
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market returns. Our calculator simulates each year's
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growth, contributions, and inflation-indexed withdrawals to give
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you a tailored picture.
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</AccordionContent>
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</AccordionItem>
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<AccordionItem value="item-3">
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<AccordionTrigger className="text-xl font-semibold">
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How does inflation impact my FIRE number?
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How do I choose a realistic growth rate?
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</AccordionTrigger>
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<AccordionContent className="text-lg leading-relaxed">
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Inflation erodes the purchasing power of money over time. Your
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desired monthly allowance needs to increase each year just to
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maintain the same standard of living. This calculator accounts
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for this by adjusting your target allowance upwards based on the
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inflation rate you provide, ensuring the calculated FIRE number
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supports your desired lifestyle in future dollars.
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Historically, a diversified portfolio of equities and bonds has
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returned around 7-10% per year before inflation. We recommend
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starting around 6-8% (net of fees), then running “what-if”
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scenarios—5% on the conservative side, 10% on the aggressive
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side—to see how they affect your timeline.
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</AccordionContent>
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</AccordionItem>
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<AccordionItem value="item-4">
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<AccordionTrigger className="text-xl font-semibold">
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Can I really retire early with FIRE?
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How does inflation factor into my FIRE Number?
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</AccordionTrigger>
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<AccordionContent className="text-lg leading-relaxed">
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Retiring significantly early is achievable but demands
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discipline, a high savings rate, and smart investing. Success
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depends on income, expenses, savings habits, and investment
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returns. Use this FIRE calculator as a planning tool,
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understanding it provides estimates based on your assumptions
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and chosen investing approach.
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Cost of living rises. To maintain today's lifestyle, your
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monthly allowance must grow each year by your inflation rate.
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This calculator automatically inflates your desired monthly
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spending and subtracts it from your portfolio during retirement,
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ensuring your FIRE Number keeps pace with rising expenses.
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</AccordionContent>
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</AccordionItem>
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<AccordionItem value="item-5">
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<AccordionTrigger className="text-xl font-semibold">
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What does FIRE stand for?
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Can I really retire early with FIRE?
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</AccordionTrigger>
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<AccordionContent className="text-lg leading-relaxed">
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FIRE stands for Financial Independence, Retire Early. It
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represents a lifestyle movement aimed at maximizing your savings
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rate through increased income and/or decreased expenses to
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achieve financial independence and retire much earlier than
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traditional retirement age.
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Early retirement is achievable with disciplined saving, smart
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investing, and realistic assumptions. This tool helps you set
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targets, visualize outcomes, and adjust inputs—so you can build
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confidence in your plan and make informed trade-offs between
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lifestyle, risk, and timeline.
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</AccordionContent>
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</AccordionItem>
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<AccordionItem value="item-6">
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<AccordionTrigger className="text-xl font-semibold">
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How much should I save each month?
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How should I use this calculator effectively?
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</AccordionTrigger>
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<AccordionContent className="text-lg leading-relaxed">
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FIRE enthusiasts typically aim to save 50-70% of their income.
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The more you can save, the faster you'll reach your FIRE
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goal. However, the right amount depends on your income,
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lifestyle, and target retirement age. Use the calculator to
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experiment with different monthly savings amounts to see their
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impact on your retirement timeline.
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<ul className="ml-6 list-disc space-y-1">
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<li>
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Start with your actual numbers (capital, savings, age).
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</li>
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<li>
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Set conservative - mid - aggressive growth rates to bound
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possibilities.
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</li>
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<li>
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Slide your retirement age to explore “early” vs.
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“traditional” scenarios.
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</li>
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<li>
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Review the chart—especially the reference lines—to see when
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you hit FI and how withdrawals impact your balance.
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</li>
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<li>
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Experiment with higher savings rates or lower target
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spending to accelerate your path.
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</li>
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</ul>
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</AccordionContent>
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</AccordionItem>
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</Accordion>
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@ -209,77 +242,48 @@ export default function HomePage() {
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FIRE Journey & Investing Resources
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</h2>
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<p className="mb-6 text-lg leading-relaxed">
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Ready to dive deeper into FIRE and solidify your investing strategy?
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Explore these valuable resources for financial independence planning
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and investing advice:
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Ready to deepen your knowledge and build a bullet-proof plan? Below
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are some of our favorite blogs, books, tools, and communities for
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financial independence and smart investing.
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</p>
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<div className="bg-secondary/20 my-8 rounded-md p-4 text-lg">
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<p className="font-semibold">Getting Started with FIRE:</p>
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<ol className="ml-6 list-decimal space-y-1">
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<li>
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Calculate your personal numbers using this FIRE calculator and
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other tools.
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Run your first projection above to find your target FIRE Number.
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</li>
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<li>Identify areas to boost savings or reduce expenses.</li>
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<li>
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Study index-fund strategies and low-cost investing advice.
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</li>
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<li>
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Seek sound investing advice and consider joining communities
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like r/Fire for support.
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Join{" "}
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<a
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href="https://www.reddit.com/r/Fire/"
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target="_blank"
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className="text-primary hover:underline"
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>
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supportive communities like r/Fire
|
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</a>{" "}
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to learn from real journeys.
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</li>
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<li>Explore books and podcasts to deepen your understanding</li>
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</ol>
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</div>
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<div className="grid gap-8 md:grid-cols-2">
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<div>
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<h3 className="mb-3 text-xl font-semibold">
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Blogs & Investing Websites
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</h3>
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<h3 className="mb-3 text-xl font-semibold">Blogs & Websites</h3>
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<ul className="ml-6 list-disc space-y-2 text-lg">
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<li>
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<a
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href="https://www.mrmoneymustache.com/2012/01/13/the-shockingly-simple-math-behind-early-retirement/"
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href="https://www.mrmoneymustache.com/"
|
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target="_blank"
|
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className="text-primary hover:underline"
|
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>
|
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Mr. Money Mustache - Simple Math Behind Early Retirement &
|
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Investing
|
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</a>
|
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</li>
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<li>
|
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<a
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href="https://www.playingwithfire.co/resources"
|
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target="_blank"
|
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className="text-primary hover:underline"
|
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>
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Playing With FIRE - Comprehensive Resources
|
||||
</a>
|
||||
</li>
|
||||
<li>
|
||||
<a
|
||||
href="https://www.reddit.com/r/Fire/"
|
||||
target="_blank"
|
||||
className="text-primary hover:underline"
|
||||
>
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||||
r/Fire Reddit Community
|
||||
</a>
|
||||
</li>
|
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</ul>
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</div>
|
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<div>
|
||||
<h3 className="mb-3 text-xl font-semibold">
|
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Books & Investment Learning
|
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</h3>
|
||||
<ul className="ml-6 list-disc space-y-2 text-lg">
|
||||
<li>
|
||||
<a
|
||||
href="https://www.amazon.com/Your-Money-Life-Transforming-Relationship/dp/0143115766"
|
||||
target="_blank"
|
||||
className="text-primary hover:underline"
|
||||
>
|
||||
Your Money or Your Life - Foundational FIRE & Investing
|
||||
Principles
|
||||
</a>
|
||||
Mr. Money Mustache
|
||||
</a>{" "}
|
||||
- Hardcore frugality & early retirement success stories.
|
||||
</li>
|
||||
<li>
|
||||
<a
|
||||
@ -287,8 +291,45 @@ export default function HomePage() {
|
||||
target="_blank"
|
||||
className="text-primary hover:underline"
|
||||
>
|
||||
Playing With FIRE Documentary
|
||||
</a>
|
||||
Playing With FIRE
|
||||
</a>{" "}
|
||||
- Community resources & real-life case studies.
|
||||
</li>
|
||||
<li>
|
||||
<a
|
||||
href="https://www.reddit.com/r/Fire/"
|
||||
target="_blank"
|
||||
className="text-primary hover:underline"
|
||||
>
|
||||
r/Fire
|
||||
</a>{" "}
|
||||
- Active forum for questions, tips, and support.
|
||||
</li>
|
||||
</ul>
|
||||
</div>
|
||||
|
||||
<div>
|
||||
<h3 className="mb-3 text-xl font-semibold">Books & Podcasts</h3>
|
||||
<ul className="ml-6 list-disc space-y-2 text-lg">
|
||||
<li>
|
||||
<a
|
||||
href="https://www.amazon.com/Your-Money-Life-Transforming-Relationship/dp/0143115766"
|
||||
target="_blank"
|
||||
className="text-primary hover:underline"
|
||||
>
|
||||
Your Money or Your Life
|
||||
</a>{" "}
|
||||
- The classic guide to aligning money with values.
|
||||
</li>
|
||||
<li>
|
||||
<a
|
||||
href="https://podcasts.apple.com/us/podcast/biggerpockets-money-podcast/id1330225136"
|
||||
target="_blank"
|
||||
className="text-primary hover:underline"
|
||||
>
|
||||
BiggerPockets Money Podcast
|
||||
</a>{" "}
|
||||
- Interviews on FIRE strategies and wealth building.
|
||||
</li>
|
||||
<li>
|
||||
<a
|
||||
@ -296,37 +337,39 @@ export default function HomePage() {
|
||||
target="_blank"
|
||||
className="text-primary hover:underline"
|
||||
>
|
||||
BiggerPockets Money Podcast - FIRE Calculators & Investing
|
||||
Strategies
|
||||
</a>
|
||||
InvestingFIRE Calculator Demo
|
||||
</a>{" "}
|
||||
- Deep dive on how interactive projections can guide your
|
||||
plan.
|
||||
</li>
|
||||
</ul>
|
||||
</div>
|
||||
|
||||
<div>
|
||||
<h3 className="mb-3 text-xl font-semibold">
|
||||
Additional FIRE & Investing Calculators
|
||||
Additional Calculators & Tools
|
||||
</h3>
|
||||
<ul className="ml-6 list-disc space-y-2 text-lg">
|
||||
<li>
|
||||
<a
|
||||
href="https://ghostfol.io"
|
||||
target="_blank"
|
||||
className="text-primary hover:underline"
|
||||
>
|
||||
Ghostfolio
|
||||
</a>{" "}
|
||||
- Wealth management application for individuals.
|
||||
</li>
|
||||
<li>
|
||||
<a
|
||||
href="https://walletburst.com/tools/coast-fire-calculator/"
|
||||
target="_blank"
|
||||
className="text-primary hover:underline"
|
||||
>
|
||||
Coast FIRE Calculator - For those considering a partial
|
||||
early retirement
|
||||
</a>
|
||||
</li>
|
||||
<li>
|
||||
<a
|
||||
href="https://www.empower.com/retirement-calculator"
|
||||
target="_blank"
|
||||
className="text-primary hover:underline"
|
||||
>
|
||||
Empower Retirement Planner - Free portfolio analysis and net
|
||||
worth tracking
|
||||
</a>
|
||||
Coast FIRE Calculator
|
||||
</a>{" "}
|
||||
- When you “max out” early contributions but let compounding
|
||||
do the rest.
|
||||
</li>
|
||||
<li>
|
||||
<a
|
||||
@ -334,37 +377,9 @@ export default function HomePage() {
|
||||
target="_blank"
|
||||
className="text-primary hover:underline"
|
||||
>
|
||||
CAGR Compound Interest Calculator - Understand Investment
|
||||
Growth
|
||||
</a>
|
||||
</li>
|
||||
</ul>
|
||||
</div>
|
||||
|
||||
<div>
|
||||
<h3 className="mb-3 text-xl font-semibold">
|
||||
Recent Investing & FIRE Articles
|
||||
</h3>
|
||||
<ul className="ml-6 list-disc space-y-2 text-lg">
|
||||
<li>
|
||||
<a
|
||||
href="https://www.businessinsider.com/retiring-tech-early-coast-fire-make-me-millionaire-2025-4"
|
||||
target="_blank"
|
||||
className="text-primary hover:underline"
|
||||
>
|
||||
Coast FIRE: Retiring in your 30s while becoming a
|
||||
millionaire by 60
|
||||
</a>
|
||||
</li>
|
||||
<li>
|
||||
<a
|
||||
href="https://www.businessinsider.com/financial-independence-retire-early-saving-loneliness-retreat-bali-making-friends-2025-2"
|
||||
target="_blank"
|
||||
className="text-primary hover:underline"
|
||||
>
|
||||
The Social Side of FIRE: Finding Community in Financial
|
||||
Independence
|
||||
</a>
|
||||
Compound Interest Calculator
|
||||
</a>{" "}
|
||||
- Explore the power of growth rates in isolation.
|
||||
</li>
|
||||
</ul>
|
||||
</div>
|
||||
|
||||
Loading…
x
Reference in New Issue
Block a user