Tim So FIRE & Khi Nao Ban Co The Nghi Huu Som

Cong Cu Tinh FIRE Hoat Dong Nhu The Nao

So FIRE cua ban dua tren ty le rut 4% an toan (con goi la quy tac 4%), xuat phat tu Nghien Cuu Trinity. Cong thuc rat don gian:

NetWorthCast vuot xa mot cong cu tinh toan don gian. No su dung tai san, thu nhap va chi phi thuc te cua ban de du bao khi nao tai san rong thanh khoan cua ban vuot nguong FIRE — tinh den lai kep, lam phat va cac su kien mot lan.

Cac Loai FIRE

Lean FIRE

Dat doc lap tai chinh voi ngan sach toi gian — thuong duoi $40.000/nam chi phi. Can so FIRE khoang $1M. Phu hop nhat cho nhung nguoi tiet kiem hoac o khu vuc chi phi sinh hoat thap.

Fat FIRE

Doc lap tai chinh voi loi song thoai mai — thuong $100.000+/nam. Can $2,5M tro len. Danh cho nhung nguoi muon duy tri muc song hien tai ma khong thoa hiep.

Coast FIRE

Thoi diem ma cac khoan dau tu hien tai se tang len den so FIRE day du vao tuoi nghi huu truyen thong — ngay ca khi ban khong dau tu them mot dong nao. Sau khi dat Coast FIRE, ban chi can trang trai chi phi hien tai. Tim hieu them ve Coast FIRE.

Barista FIRE

Ban nghi huu noi ban lam cong viec ban thoi gian it cang thang de co bao hiem y te va chi phi co ban, trong khi cac khoan dau tu tiep tuc tang truong huong toi FIRE day du.

Diem Khac Biet Cua NetWorthCast

Hau het cac cong cu tinh FIRE yeu cau ban nhap vai con so va cho ket qua tinh. NetWorthCast la cong cu lap ke hoach tai chinh toan dien co kha nang:

• Theo doi tai san thuc te — thanh khoan (tien mat, co phieu, 401k) va kho thanh khoan (bat dong san, xe co) voi ty le loi nhuan rieng
• Du bao 30 nam — lai kep tung tai san, tang truong thu nhap, lam phat chi phi
• Hien thi chinh xac khi nao ban dat FIRE — bieu do tuong tac voi duong nguong FIRE va diem giao cat
• So sanh chi phi sinh hoat — xem viec chuyen den thanh pho re hon tang toc ngay FIRE nhu the nao
• Xu ly cac su kien thuc te — tien thuong, mua nha, ket thuc tra gop xe, thay doi cong viec

Giai Thich Quy Tac 4%

Quy tac 4% xuat phat tu Nghien Cuu Trinity nam 1998, phan tich loi nhuan lich su cua co phieu va trai phieu. No phat hien rang viec rut 4% danh muc dau tu hang nam (dieu chinh theo lam phat) co ty le thanh cong 95%+ trong cac giai doan 30 nam.

Vi du: Neu so FIRE cua ban la $1,5M, ban co the rut $60.000/nam ($5.000/thang) va danh muc dau tu du kien keo dai 30+ nam. Nhieu nguoi trong cong dong FIRE su dung ty le than trong hon 3,5% de an toan them.

NetWorthCast su dung 4% mac dinh khi tinh muc tieu FIRE, dua tren tong chi phi hang thang cua ban.

Cau Hoi Thuong Gap

So FIRE la gi?

So FIRE cua ban la tong so tien ban can dau tu de song bang loi nhuan vo thoi han. No bang chi phi hang nam chia cho 0,04 (hoac nhan voi 25). Khi tai san thanh khoan cua ban dat so nay, ban da doc lap tai chinh.

So FIRE duoc tinh nhu the nao?

So FIRE = Chi Phi Hang Nam / 0,04. Dieu nay dua tren ty le rut 4% an toan cua Nghien Cuu Trinity. NetWorthCast tinh toan tu dong tu chi phi hang thang va hien thi tren bieu do du bao.

Su khac biet giua Lean FIRE, Fat FIRE va Coast FIRE la gi?

Lean FIRE = doc lap tiet kiem (<$40k/nam). Fat FIRE = doc lap thoai mai ($100k+/nam). Coast FIRE = da dau tu du de chi bang lai kep cung dat so FIRE vao tuoi nghi huu truyen thong.

Khi nao toi co the nghi huu som?

Dieu do phu thuoc vao ty le tiet kiem, loi nhuan dau tu va chi phi cua ban. NetWorthCast du bao ngay FIRE chinh xac cua ban su dung du lieu tai chinh thuc te — khong chi la uoc tinh.