Semi-retirement

Households often stall on reduced-hours decisions because goals conflict. Use survival, stability, and optionality layers plus four floors to turn expectations into a practical agreement.

Reducing work hours changes household income, benefits, care work, and the FIRE timeline. This framework uses numbers, a trial period, and exit conditions to make the decision reversible.

Using one set of spending, portfolio, and return assumptions, compare how 20%, 40%, and 60% work-hour reductions affect a FIRE timeline and identify the cash-flow threshold.

Leaving a high-pressure job does not automatically mean abandoning FIRE. This article separates income, spending, benefits, and investable cash flow to estimate the delay and test whether the trade is sustainable.

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.