Semi-retirement

Combine semi-retirement earnings, spending, tax and insurance reserves, portfolio withdrawals, and cash runway in one monthly and rolling 12-month model, including income-down and zero-income stress tests.

Barista FIRE is not a simple swap from a salary to an hourly wage. Model health coverage, taxes, lost benefits, unpaid time, work expenses, and income volatility before calculating portfolio withdrawals.

Coast FIRE is not retiring now. It means current retirement assets may grow to the target while earned income covers current life. Use this U.S. threshold, benefits audit, and six-part readiness test.