https://www.fire-path.app/blog Use practical FIRE guides and a scenario-based calculator to compare assumptions and build a resilient path to financial freedom. en-us support@ascend-spark.com (Fire Path Team) support@ascend-spark.com (Fire Path Team) Mon, 25 May 2026 00:00:00 GMT https://www.fire-path.app/zh-TW/blog/same-return-different-fire-speed-net-return-gap https://www.fire-path.app/zh-TW/blog/same-return-different-fire-speed-net-return-gap 兩個人都假設年化報酬 6%，FIRE 速度卻可能差很多。原因在於名目報酬不等於淨報酬，費用、稅金、通膨、交易成本、現金拖累與生活支出變動都會改變實際財務自由速度。 Mon, 25 May 2026 00:00:00 GMT support@ascend-spark.com (Fire Path Team) fire淨報酬通膨稅後報酬財務自由