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    <description>A FIRE plan should not stop at pre-tax returns or a headline withdrawal rate. This template helps U.S. households translate portfolio assets into after-tax spendable cash by modeling taxes, account order, transaction costs, and cash reserves.</description>
    <pubDate>Fri, 08 May 2026 00:00:00 GMT</pubDate>
    <author>support@ascend-spark.com (Fire Path Team)</author>
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