Plan-drift

Life rarely follows a FIRE spreadsheet. That does not make FIRE useless. This article shows how FIRE can shift from a retirement countdown into a financial system for resilience, optionality, and better decisions when plans change.

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.