Calculate your exact FIRE number and discover how long until you achieve financial independence.
Monthly: $5,000
Monthly: $2,500
You'll reach FIRE at age 57
FIRE means your portfolio needs to last 30-50+ years. Gold has preserved wealth for thousands of years through every economic crisis.
A market crash right after you FIRE can devastate your plan. Gold often rises when stocks fall, protecting your withdrawal strategy.
Most FIRE portfolios are 100% paper assets (stocks/bonds). Physical gold adds real diversification beyond correlated financial instruments.
FIRE investors protect their nest egg from inflation with Gold IRAs. Unlike paper assets, gold maintains purchasing power over decades of early retirement.
Your FIRE number is the amount of money you need invested to live off the returns indefinitely without working. It's the magic number that gives you complete financial independence.
The concept is based on the 4% rule from the Trinity Study, which found that withdrawing 4% of your portfolio annually (adjusted for inflation) has historically allowed retirees to avoid running out of money over 30+ years.
This is the inverse of the 4% rule. If you withdraw 4% per year, you need 25 times your annual expenses saved.
Example: If you spend $50,000/year, your FIRE number is $50,000 × 25 = $1,250,000. At 4% withdrawal, this gives you exactly $50,000 annually.
Gold can help safeguard your FIRE number from market volatility and inflation.