Published onMay 15, 2026ETF Expense Ratio 0.1% vs 0.5%: The 20-Year FIRE GapfireETFexpense-ratiocompound-growthnet-returnsA 0.4 percentage-point difference in ETF costs can compound for decades. This article shows U.S. households how to model 0.1% vs 0.5% expense ratios inside a 20-year FIRE plan.