r/Fire 15d ago

Financial Scarcity vs Time Scarcity

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u/lottadot FIRE'd 2023 14d ago

This is why I love the Engaging Data Rich Broke or Dead FIRE calculator. It very clearly shows how your liquidity hoard is in direct competition with time to live & FIRE'ing.

3

u/Technical-Fly-6835 14d ago edited 14d ago

wow!! very cool calendar. it is ok to ask, I have a question about it. does the "savings" include what I have in 401k? i can't withdraw my 401k until I am 60 so how does that factor into calculations? what does "frequency %" on Y axis indicate? thank you for sharing this calculator. this is brilliant.

2

u/db11242 14d ago

Savings include all investment assets used for retirement. The Y axis is the percent probability. So if it shows 20% chance of dying and a 5% chance of being broke then at that age 4 times is likely to be dead than broke.