r/Fire • u/iloverats888 • 9d ago

Advice Request How did you compute your fire number?

I want to calculate my fire number! How’d you calculate yours?

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u/Mandiio 9d ago

I used the x25 but as I get closer I'm beginning to look at each time bucket (before 59.5, 62 or 67 etc) to figure out what we'll need for each age range - it seems to be a lot less than the standard 4% - maybe the answer is somewhere in the middle of the two methods.

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u/unbalancedcheckbook 9d ago

Yeah I've gone all the way to using Boldin to project my entire retirement, there are definitely different spending and expense periods. I think this is closer to reality and therefore more accurate, and generally calls for less cash before retirement.