How to Size an Emergency Fund With Savings Rate Math
Learn how to size an emergency fund with interruption risk and rebuild-rate math at your savings rate, from under 3 months to a justified 12.
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Posts tagged with savings-rate
30 posts
Protect a High Savings Rate by Pricing Wants in FI Months
Keep a high savings rate of 50 to 70 percent by pricing wants before you buy, in FI months for one-time buys and 25x portfolio cost for habits.
Buy Now Pay Later Math That Falsifies a 50% Savings Rate
Buy now pay later quietly inflates your savings rate and your FI number. Learn the 25x math, a weekend audit, and when 0% financing is actually smart.
Your Emergency Fund Is Too Big at 50% Savings
Why the 3 to 6 months emergency fund rule overshoots at a 50% savings rate, what idle cash costs at ~4% yields, and how to place it in tiers.
Your FIRE Number Is Copied. Price It in Working Years
Your FIRE number may be a borrowed want. Learn how mimetic desire shapes FI targets and audit yours in minutes, priced in years of your working life.
How to Budget for a Wedding Without Delaying FIRE
How to budget for a wedding without delaying FIRE, from marginal guest cost to the vendor markup, measured in months of financial independence.
How to Save Money on Groceries by Effective Hourly Wage
How to save money on groceries for FIRE, ranked by the hourly wage each tactic pays, with the 25x math that cuts your FI number and the USDA floor.
Expert Witness Side Hustle Math, Audited for FIRE
The expert witness side hustle is pitched as $100,000 a year for a few weekly hours. We audit the funnel and taxes to price the real months off FI.
When to Quit a Side Hustle Before It Costs Your FIRE Date
When to quit a side hustle, in FIRE math: each after-tax dollar from job two, weighed against the burnout risk it loads onto job one, your biggest asset.
Career Retraining for FIRE Priced Like an Investment
Career retraining for FIRE is a capital allocation decision. Price tuition, foregone earnings, and time-to-first-dollar against a shorter FI date.
Spending More Than You Earn, Priced in FIRE Math
Spending more than you earn is a negative savings rate. Run the FIRE math on an 8% overspend, price the hole at card APRs, and compute the exit date.
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.