Recalculation

Published on
February 23, 2026
If Long-Term Returns Drop to 4-5%, How Should You Recalculate FIRE?
fire low-returns recalculation risk-management asset-allocation
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.

If Long-Term Returns Drop to 4-5%, How Should You Recalculate FIRE?