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The number of work years needed before you can retire can entirely be determined by the % of your take-home pay you save. For example, to retire in 35 years (assuming a 0 net-worth), you need to save 21.5% of your money. If you're on HackerNews, you probably have a high enough salary where that's absolutely doable. Bump it up to 35%, and you can knock another decade off of your working career.

You can play around with the numbers here: https://networthify.com/calculator/earlyretirement



This page, like all FIRE stuff, is making rather positive assumptions about the ROI on savings (they’re assuming 5% over inflation). I, for my calculations, am personally assuming 0% growth - I just don’t want to end on a street when I’m 65 or 75.


Even if that's true, what's the best strategy? I posit that learning to live on less is a pretty good one.


I agree. My point is that all the FIRE crowd is quitting work way too early, due to optimistic assumptions.




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