FIREnomics

About

FIREnomics is a personal-finance publication for people who want the retirement math to survive contact with reality. Every piece starts from the numbers: expected value, sequence-of-returns risk, and the specific failure modes of popular rules of thumb. The running theme is that famous rules break in calculable ways. One recent piece walks through why the 4% rule's math degrades on 50-year early-retirement horizons; another maps portfolio concentration risk - holding a handful of mega-cap tech names - onto a 15-year plan, where one bad decade at the wrong time does damage a diversified glidepath would absorb. Withdrawal strategy gets its own treatment: the psychology of spending fear, and how to build a withdrawal plan you will actually follow. Other pieces price decisions like an investor: valuing your 'desired salary' with a 40% savings-rate frame, and running the expected-value math on $997 guru courses against what the same money compounds to in index funds over 15 years. A separate series covers involuntary FIRE - bridge income after late-career layoffs - for people who retire earlier than they planned. No income screenshots, no course funnels: withdrawal-rate math, sequence risk, and honest tradeoffs for anyone running the numbers on financial independence.