FIRE Modes Lab
Flip between Aggressive, Conservative, Geo-arb, and Freelancer modes and see how your years to FIRE and stress level change.
🚀 Aggressive
High savings, higher risk, very short runway.
🧘 Conservative
Slower, calmer, more redundancy.
🌍 Geo-arbitrage
Same income, cheaper life.
🧑💻 Freelancer
More flexibility, less income certainty.
| Mode | Years to FIRE | Retirement age | Stress meter |
|---|---|---|---|
| 🚀 Aggressive | – | – | High |
| 🧘 Conservative | – | – | Low |
| 🌍 Geo-arbitrage | – | – | Medium |
| 🧑💻 Freelancer | – | – | Medium |
What this is really for
Each mode tweaks return assumptions, savings rate, and lifestyle cost. The math is simple on purpose — it's meant to start conversations:
- “Could I tolerate Aggressive mode for 3–5 years?”
- “Is it worth moving somewhere cheaper for a few years of my life back?”
- “Is Conservative mode actually enough for how my brain works?”
None of this is advice. It's a little difficulty slider for your life simulator.