Annual-review

A FIRE plan does not need constant tinkering, but annual-only review can be too slow when spending, contributions, or life risk change midyear. This article compares quarterly and annual review using a U.S. household example.

Reviewing FIRE once a year is not automatically wrong. But if your spending, contribution capacity, or risk tolerance has already shifted, waiting 9 to 12 months to adjust can move the whole plan off course. This guide explains when annual review is enough and when it is too slow.