The Cost of a Gap Year, Measured in FIRE Date Delay
The cost of a gap year for a mid-accumulation FIRE saver is about 18 months of delay, not 12. Real case math prices the bill and shows how to shrink it.
Tag
#opportunity-cost
Posts tagged with opportunity-cost
5 posts
Car Total Cost of Ownership Priced in FI Months
Run the keep, used, or new car decision as FIRE math. Compare car total cost of ownership, find the repair crossover, count months added to FI date.
Are Guru Courses Worth It? The Expected Value Math
Are guru courses worth it? The expected value math says usually no. We compare $997 tuitions to 15 years of index fund returns and give a strict buy rule.
Lifestyle Creep vs Value Spending, a FIRE Math Framework
Lifestyle creep vs value spending comes down to one formula. Calculate the opportunity cost of any expense to decide if it accelerates or delays FIRE.
Rent vs Buy FIRE Why Housing Delays Your Independence
The rent vs buy FIRE math breaks on a 10 to 15 year timeline. Renting preserves compounding capital and flexibility for faster financial independence.