Prepared on: [Date] Current Age: XX | Annual Expenses: $XX,XXX | Savings Rate: XX%
Executive Summary
- Target FIRE Variant: [Lean / Fat / Coast / Barista]
- Your FI Number: $X,XXX,XXX
- Current Portfolio: $XXX,XXX (X% of FI)
- Years until FIRE at the current savings rate: XX years (FIRE age: XX)
- Coast FIRE number: $XXX,XXX (already reached? ✅ / behind by $X)
- Verdict: [On track / Need to speed up / Already FI]
Your Numbers
Entries
| Item | Value |
|---|---|
| Current Age | XX |
| Annual expenses (today) | $X |
| Current invested assets | $X |
| Annual income (net) | $X |
| Annual savings | $X |
| Savings rate | XX% |
| Expected real return | X% |
FI Number — All Variants
| Variant | Expenses | FI number | Years Remaining |
|---|---|---|---|
| Lean FIRE | $X (your minimum) | $X | X years |
| Standard FIRE | $X (your current) | $X | X years |
| Fat FIRE | $X (your comfortable amount) | $X | X years |
| Coast FIRE | n/a | $X (today) | X years |
| Barista FIRE (50% of expenses) | $X | $X | X years |
Years to FIRE Table — The Savings Rate Lever
| Your Savings Rate | Years until FIRE | FIRE Age |
|---|---|---|
| Current (XX%) | XX | XX |
| +5% (to XX%) | XX | XX |
| +10% (to XX%) | XX | XX |
| +15% (to XX%) | XX | XX |
| 50% | XX | XX |
| 70% | XX | XX |
Key insight: Increasing your savings rate from XX% to XX% (just $X/month more) cuts X years off your timeline.
Reference: Savings Rate → Time to FI
| Savings Rate | Years until FIRE |
|---|---|
| 10% | 51 |
| 20% | 37 |
| 30% | 28 |
| 40% | 22 |
| 50% | 17 |
| 60% | 12,5 |
| 70% | 8,5 |
| 80% | 5,5 |
(Assumes a 5% real return, starting from zero. An existing portfolio shortens the timeline even further.)
Year-by-Year Portfolio Projection
| Age | Year | Contribution | Portfolio (5%) | Portfolio (7%) | % of FI |
|---|---|---|---|---|---|
| XX | YYYY | $X | $X | $X | X% |
| ... | |||||
| FIRE | YYYY | $0 | $X | $X | 100% |
Coast FIRE status
- Coast FIRE number (at your age): $X
- Your current portfolio: $X
- Coast FIRE achieved? ✅ Yes / ❌ No (additional $X needed)
- What this means: [If reached] You can stop contributing and still retire comfortably at 65. Any savings now will bring retirement closer. [If not reached] You need to invest $X more to reach Coast FIRE.
Barista FIRE plan
- Annual expense portfolio you need to cover: $X (after partial income)
- Barista FI number: $X (X% less than full FIRE)
- Years until FI Barista: XX
- Recommended part-time work: [employer with health benefits such as Starbucks, Costco, REI; or freelance work covering $X/year]
Geographic Arbitrage Opportunities
If the location is flexible, consider:
| Change | Estimated Cost-of-Living Reduction | New Savings Rate | New Years Until FIRE |
|---|---|---|---|
| Keep current | 0% | XX% | XX years |
| Mid-cost U.S. city | -20% | XX% | XX years |
| Low-cost U.S. city | -35% | XX% | XX years |
| International (Portugal, Mexico, Thailand) | -50% | XX% | XX years |
Withdrawal Strategy Recommendation
Given your timeline (XX years to FIRE) and risk tolerance:
Recommended: [4% Rule / 3.5% Rule / Guyton-Klinger / Dynamic]
| Strategy | SWR | FI number | Success Rate (50 years) |
|---|---|---|---|
| 4% Rule | 4,0% | $X | ~85% |
| 3.5% Rule | 3,5% | $X | ~95% |
| Guyton-Klinger | 5.0% initial | $X | ~95% (with adjustments) |
| Dynamics (4% of current) | varies | $X | 100% (income varies) |
Sequence of Returns Risk Mitigation
In the 5 years before AND after the FIRE date:
- Build 2-3 years of living expenses in cash/HYSA
- Keep 5-7 years of expenses in bonds (medium-term)
- Plan flexible vs. essential spending (cut variable expenses in down years)
- Consider the Barista phase as a bridge during the first few years
- Do not sell stocks in bear markets — spend cash/bonds
Asset Allocation for FIRE
| Phase | Stocks | Titles | Cash | Rationale |
|---|---|---|---|---|
| Accumulation (now until FIRE-5) | 85% | 10% | 5% | Maximize growth |
| Pre-FIRE (5 years before) | 70% | 25% | 5% | Build a bond "tent" |
| FIRE Start (years 1-5) | 60% | 30% | 10% | Peak sequence risk |
| FIRE Endgame (Years 6+) | 70% | 25% | 5% | Extend the horizon again |
Pre-FIRE Checklist (FIRE Year)
- [ ] 2 years of cash reserves in a HYSA
- [ ] Health insurance plan defined (ACA exchange / spouse / Barista job)
- [ ] No high-interest debt
- [ ] Mortgage paid off or refinanced at a low rate
- [ ] Roth conversion ladder plan written
- [ ] Withdrawal order documented
- [ ] Side income option (consulting, freelance work)
- [ ] Estate planning documents updated
Roth Conversion Ladder (Tax Hack for Early Retirees)
Access to retirement funds before age 59.5 without a 10% penalty:
- Transfer Traditional 401k → Traditional IRA in year 1 of FIRE
- Convert $X/year from Traditional IRA → Roth IRA (taxed in lower income brackets)
- After the 5-year waiting period, withdraw the converted amount from the Roth without penalty
- Live on taxable funds + Roth already converted during the waiting years
Health Strategy (Pre-65)
- ACA Exchange: Plan income to maximize subsidies (manage MAGI)
- HSA: Maximum contributions during working years ($X/year); keep receipts for tax-free withdrawals decades later
- Health Sharing Ministries: Not safe, but a lower-cost option for healthy individuals
- Barista FIRE for benefits: Starbucks, REI, Costco, UPS offer health insurance to temporary workers
Action Plan
This Month
- Calculate your actual current savings rate (use net income and count all savings)
- Identify $500/month in spending cuts → increase savings rate by X%
- Open a Roth IRA if you don't already have one (top tax-advantaged priority for FIRE)
This Quarter
- Optimize tax-advantaged account sequence: 401k match → HSA → Roth IRA → max out 401k → taxable
- Plan a move for geographic arbitrage (if applicable)
- Build the first month of cash buffer
This Year
- Increase savings rate by 5+ percentage points
- Review allocation for an appropriate stock/bond split for FIRE
- Read: “The Simple Path to Wealth” (Collins), the “Early Retirement Now” SWR series
Risks and Items to Watch
- Sequence of returns in the first 5 years after FIRE
- Healthcare cost overruns (biggest FIRE risk)
- Long-term care need
- Tax law changes (Roth treatment, capital gains rates)
- Sustained inflation above 3%
- Lifestyle inflation reversing your math
- Loss of identity/community when work stops (plan what you’re "retiring to," not just what you’re "retiring from")
WARNING: For educational/informational purposes only. This is not financial advice. Consult a licensed financial advisor before making decisions.
Output Standards
- Always show the famous savings rate → years to FIRE table
- Calculate ALL four variants (Lean, Fat, Coast, Barista)
- Geographic arbitrage scenarios when relevant
- Specific withdrawal strategy recommendation with reasoning
- Pre-FIRE Checklist for the Year You Pull the Trigger
Delivery
After writing FINANCE-FIRE.md:
- State the user's FI number and years until FIRE
- Identify the #1 lever (increase savings rate, relocate, increase income)
- Suggest
/finance budgetif the savings rate needs to increase - Suggest
/finance retirementfor comparison with traditional retirement
WARNING: For educational/informational purposes only. This is not financial advice. Consult a licensed financial advisor before making decisions.
--- agents/finance-investments.md ---
name: finance-investments description: Investment Strategy Agent — analyzes diversification, asset allocation suitability, expense ratios, tax efficiency, and risk-adjusted returns in the user's investment portfolio. 20% weight in the Composite Financial Health Score.