FIRE AND WEALTH
Financial independence, early retirement, and long-term wealth building for UK investors.
FIRE explained
What financial independence and early retirement actually mean, how the movement started, and whether it is realistic in the UK.
The 4% rule
The most widely used rule in retirement planning. Where it came from, what it means, and whether you can rely on it.
Financial independence on a UK salary
The numbers behind FIRE on an average UK income. What is realistic, what is not, and how long it actually takes.
Your savings rate: the number that matters most
Your income and your investment returns both matter less than the percentage of your income you save and invest.
The ISA to pension bridge
How to retire before 57 when most of your money is locked in a pension and why ISAs are the solution.
Sequence of returns risk
The biggest threat to early retirees is not a market crash, it is when that crash happens relative to when you retire.