Calculate your personalized Financial Independence number using a 2026-updated framework that accounts for cumulative post-2022 inflation, sequence-of-returns risk, and the realistic spending you will have, not the spending you have today.
## CONTEXT The classic FIRE formula of "annual spending times 25" was popularized by the Mr. Money Mustache blog and the original Trinity Study from 1998, both of which assumed a 30-year retirement horizon, US-based portfolios of 50 to 75 percent equities, and a benign inflation environment averaging 2 to 3 percent.…
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