What financial independence means, where the ideas came from, and what the numbers actually say.
Financial Independence, Retire Early — what the two halves mean, and why the first matters more than the second.
Read →From a 1992 book to a Colorado blogger who made frugality sound like freedom rather than deprivation.
Read →Where the number came from, what it actually promised, and the assumptions people quietly drop when repeating it.
Read →Five versions of the same goal, and how to work out which one you're actually aiming at.
Read →Why the same portfolio can be reasonable at 28 and reckless at 58, and what the common frameworks say.
Read →The research behind the simulator on this site: what won, and why the winning combination should make you cautious.
Read →