📚 Learn FIRE
Everything FIRE, minus the jargon.
Short, practical guides with real Indian numbers. Each one ends with a tool so you can try it on your own plan.
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Numbers
💰How much money do I need to FIRE?Less than you fear, more than a rule of thumb. Here's how to get your real number.₹2–4 Crtoday's ₹, for many urban Indian households spending ₹50K–1L/month4 min read🎯What is a FIRE number?The corpus whose safe withdrawals cover your life. One formula, three inputs.Expenses ÷ SWRthe whole formula3 min read🧮What is a safe withdrawal rate?The 4% rule, why it's American, and why Indian FIRE plans often use 3–3.5%.3–3.5%a sensible starting rate for Indian FIRE plans4 min read📈How much should I invest?Work backwards from the age you want to be free.+10%/yrSIP step-up can cut the starting SIP you need by a third or more3 min read💯Can I FIRE with ₹1 crore?Yes, if your life costs around ₹25–30K a month. Here's the honest maths.₹25–30Kmonthly spend (today's ₹) that ₹1 Cr can sustainably support3 min read
FIRE types
🏄What is Coast FIRE?Invest hard early, then stop saving. Compounding finishes the job.₹45Linvested at 27 grows to ~₹19 Cr by 60 at 12%, without adding a rupee3 min read🌱What is Lean FIRE?Freedom on a minimalist budget: the fastest route, with the thinnest margin.₹1.2–1.6 Crtoday's ₹, for a ₹35–40K/month lean life at 3–3.5%2 min read💎What is Fat FIRE?Financial independence with a premium lifestyle, and a much bigger number.≈ ₹6.9 Crtoday's ₹, for ₹2L/month of freedom at 3.5%2 min read☕What is Barista FIRE?Quit the career, keep a gig. A little income makes freedom much closer.−40%a side income covering 40% of costs cuts the FIRE number by ~40%2 min read
Risks
🌡️How does inflation affect FIRE?The silent tax on your freedom, and why it doubles your number every 12 years.12 yearsfor prices to double at 6% inflation3 min read📉How does sequence-of-returns risk affect FIRE?Same average return, very different outcomes. It's all about when the bad years come.First 5 yrsafter FIRE are the riskiest for your plan4 min read
Life
👨👩👧How do children affect FIRE?Kids don't cancel FIRE, but they reshape it. Plan the big costs explicitly.₹50L–1 Cr+future cost of one child's education, at 8–10% education inflation3 min read🏠Should I buy a house before FIRE?A home can speed FIRE up or slow it down. It depends on price, rent and EMI.2–3%typical Indian metro rental yield, which is why renting often wins on pure maths4 min read
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