One re-frame that can make your FIRE journey easier: Fund your last year first!
If you’re 40 and expect to live until age 95, you only need to save ~$5k at 5% real annual return to cover $80k of expenses.
That’s bite-sized savings.
Would you take $1,000/week for life… or $1M upfront today?
One of those choices turns a lottery win into generational wealth. The other guarantees mediocrity.
👉 Full breakdown in my latest FIRE BTC post:
One thing I’ve found difficult with FIRE is learning how to spend the value I’ve saved.
You delay gratification for so long, then feel uneasy and nervous about spending it down.
Spending is a muscle that must be built, just like saving.
The historical 4-year cycle pattern is nearing its end date.
Will history repeat, or is the 4-year cycle dead?
Bitcoin surpassing $240k in Q4 would put the diminishing returns narrative to bed and keep the cycle alive.
From the recent @_Checkɱate 🔑⚡🌋☢️🛢️ report with Unchained:
This week’s issue of FIRE BTC is staged.
I’m digging into the math behind this lady’s tragic lottery win.
Hit subscribe so you don’t miss it!
firebtc.substack.com/subscribe
