Published onFebruary 23, 2026If Long-Term Returns Drop to 4-5%, How Should You Recalculate FIRE?firelow-returnsrecalculationrisk-managementasset-allocationLower 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.
