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Lower expected returns do not invalidate FIRE. They require a better model. This article provides a practical 4-5% recalculation framework built on scenario ranges, controllable levers, and three-track planning.
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From a FIRE perspective, buying vs renting is not an identity choice. It is a cash-flow, liquidity, and risk-allocation decision. This guide shows when buying can delay FIRE and when it can still be sustainable.