Description
Financial independence isn’t a lottery ticket or a frugality cult — it’s arithmetic. This guide hands you the whole machine: how to size your FIRE number, how fast your savings rate gets you there, how to reach your money before 59½ without penalty (the Roth ladder, Rule of 55, and 72(t)), and how to pay startlingly little tax doing it. Built on current 2026 law, including the return of the ACA subsidy cliff and how to manage MAGI around it. For anyone who wants to make work optional years — or decades — early.
