Track your net worth the right way for FIRE: learn the difference between total and investable net worth, calculate your FIRE progress percentage, and set up a simple monthly tracking system
The 4% rule turned a complicated retirement question into a simple target. But for early retirees with 40+ year horizons, it needs an upgrade. Here’s what the research actually says — and what to do with it.
The FIRE movement isn’t one destination — it’s a set of strategies with different trade-offs. This guide explains the four main types of FIRE (Lean, Coast, Barista, and Fat) with plain-English definitions, worked examples with real numbers, and a practical framework to help you choose the path that fits your life.