Published onJanuary 19, 2026Why Most People Miscalculate Their FIRE Numberfirefire-calculationfinancial-planningspending-assumptionsinflationmonte-carloretirement-planningMost people stop at 'Annual Spending x 25', but that is where the errors begin. Discover the top 10 calculation mistakes, behavioral biases, and better methods to accurately calculate your FIRE number.