Budgeting·Jul 2, 2026·6 min read
Budgeting for FIRE: Savings-Rate vs 50/30/20
Why the FIRE approach to budgeting flips 50/30/20 on its head: set your savings rate first, spend the rest, and track net worth as the scoreboard.
Deep dives into financial planning topics — with working calculators embedded in every article. Updated as tax law and product details change.
Why the FIRE approach to budgeting flips 50/30/20 on its head: set your savings rate first, spend the rest, and track net worth as the scoreboard.
What a Monte Carlo success rate and 90% score actually mean for retirement, and why sequence-of-returns risk makes the order of returns matter once you're withdrawing money.
Find a real monthly savings number from your goal and timeline, see why your savings rate matters more than the dollar amount, and run it with free calculators.
Retire before 65 and you face years without employer coverage and before Medicare. Here's what the gap costs in 2026, and the income lever most early retirees don't know they're holding.
A 529 can only pay for its named beneficiary. That single rule changes the math for any family with overlapping college years. Here's what I had to fix in my own plan.