Series · Hosted by Arya
21 days to pressure-test your FIRE plan
Arya is the face of RetireFire: clear numbers, no soft language. Each day below maps a core idea to a free calculator or resource. No account required. Educational only — not advice.
- Day 1
Hero — Pressure Test, Don't Guess
One retirement forecast isn't a plan — it's a guess. Stress-test against 1,000 market paths.
Start free checkup - Day 2
FIRE Math
FIRE number = annual spending ÷ withdrawal rate. Change the rate, change your freedom date.
Calculate FIRE number - Day 3
FIRE Presets
Lean ≈ $40k · Regular ≈ $60k · Fat ≈ $100k+. Same formula, different freedom.
Pick a preset - Day 4
The 4% Rule
It's a starting point — not a promise. Test 3.5%–5% and see the difference.
Test withdrawal rates - Day 5
Years to FIRE
You don't need motivation. You need a date. Portfolio + savings + real return → exact years.
Solve years to FIRE - Day 6
Savings Rate
Save 20% → ~37 years. 50% → ~17 years. 70% → ~8 years. Salary is secondary.
See your savings impact - Day 7
Real vs Nominal
7% nominal − 2.5% inflation = 4.5% real. Plan with the honest number.
See methodology - Day 8
Coast FIRE
The moment you can stop saving and still retire on schedule. Let compounding work.
Find Coast number - Day 9
Coast by Age
What should your net worth be at 30, 35, or 40 to still retire at 60?
Coast by age table - Day 10
Barista FIRE
Don't quit work forever — quit the expensive life. Part-time income shrinks the number.
Barista calculator - Day 11
Barista vs Coast
Coast = stop saving, keep full-time. Barista = downshift now. Different trade-offs.
Compare paths - Day 12
Shared Assumptions
Return, inflation, and withdrawal rate shared across every tool. One source of truth.
Our approach - Day 13
Shareable URL
Every scenario encodes into the URL. No login. No screenshots. Share the plan.
Build a shareable plan - Day 14
CSV Export
Screenshot your plan? No — export it. Your data, your spreadsheet, your CPA.
Open tools - Day 15
Monte Carlo
Does your plan survive 1,000 markets? Worst, median, best — not a single spreadsheet line.
Run stress test - Day 16
Sequence Risk
Average 7% and still go broke if the crash hits early. Know your vulnerability.
Sequence risk guide - Day 17
A/B Compare
Save $500 more a month — or retire two years later? Pin A, edit B, decide.
Scenario compare - Day 18
Methodology
If a calculator won't show its formula, don't trust it. Ours is on the table.
Full methodology - Day 19
Coast Checklist
You hit Coast. Now what? Health insurance, match, bridge years, Roth ladder.
Coast checklist - Day 20
Mobile First
FIRE plans built for desktop die on mobile. Numeric keyboards. Big tap targets.
Try on mobile - Day 21
Full Stack Recap
Don't just calculate your future — pressure-test it. Full stack free. No login.
Open the full stack
Full video series produced with Arya (HeyGen). Social captions and square cuts live in the growth system. On-site clips roll out next — the math and tools are already free at /calculators.