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Let's Go FIRE

FIRE Academy: 19 guides to aim for financial independence

19 standalone modules, free and open-access, to discover the mechanics of FIRE step by step.

Level 17 modules

The Foundations

Understand why every day counts, and that FIRE is mathematically possible.

🔥

What Is FIRE? The Idea That Changes Everything

The movement that turns your savings rate into years before financial freedom

Beginner
6 min
🌶️

Lean, Coast, Flamingo, Fat FIRE: pick your flavor in 5 minutes

4 FIRE flavors, 4 temperaments, target capital from $280k to $2.5M. Formulas, worked examples, and a personal quiz to find yours.

Beginner
7 min
📈

Why 67% of your wealth comes from interest, not your contributions

The Rule of 72, the snowball effect, and the brutal math of lost time. In 6 minutes.

Beginner
7 min
💸

The Silent Killer: How Inflation Steals Your Retirement

2% per year for 30 years = -45% purchasing power. Here's how to protect yourself.

Beginner
6 min
⚡

Volatility: your best ally once you learn to read it

Why volatility enriches the regular investor, and the one trap to avoid: your own panic. With the numbers from 2008 to 2012.

Beginner
9 min
🎯

The Magic Number: Calculate the Exact Amount to Quit Everything

The simple formula that tells you exactly how much you need

Beginner
5 min
🏦

The 4% rule: how much to withdraw without draining your capital

$40,000 a year on $1M, inflation-indexed. The method, its limits, and the right rate for a 40-year retirement.

Beginner
8 min
Level 24 modules

Investment Mechanics

Build your wealth machine without getting burned.

💼

The Magic Recipe: 60/40 or 80/20?

60/40 or 80/20: the split that decides 90% of your return over 25 years.

Intermediate
7 min
⚖️

Rebalancing: keep your risk under control

Ten minutes a year so your 80/20 doesn't quietly turn into a 95/5.

Intermediate
10 min
🔗

The Domino Effect: When Your Assets Fall Together

Understand why naive diversification doesn't work

Intermediate
12 min
📊

Deterministic FIRE simulation: your first projection

Learn to project your FIRE wealth with a deterministic simulation: a simple formula, a worked example at $200/month, and the limits you need to know.

Beginner
5 min
Level 32 modules

Protect Your Capital

The traps to avoid when living off your capital: sequence risk, distributions, hidden dangers.

📉

Sequence of returns: why a crash at 60 can sink a FIRE plan that averages 7%

Alice and Bob earn the same average return over 20 years. One ends with $1.2M, the other with $350k. The difference: 5 bad years that landed at the wrong time.

Intermediate
10 min
📐

Return distributions: the Monte Carlo setting that changes everything

Normal, log-normal, Student-t: the distribution you pick decides the credibility of your FIRE simulation. Here is which one to use, and when to switch to a stress test.

Intermediate
8 min
Level 42 modules

Simulator Masterclass

Master the tool that changes everything. Monte Carlo from basics to advanced.

🎲

Monte Carlo FIRE: Does Your Plan Hold in 9 Out of 10 Markets?

1,000 to 10,000 simulated markets, one success rate, three scenarios (P10, P50, P90). In 5 minutes, you know whether your plan holds.

Intermediate
10 min
🎯

Advanced Monte Carlo: 6 parameters to stress-test your FIRE plan

Correlations, crisis regimes, fat tails: the simulation that reveals whether your FIRE plan survives a 2008-style crash, not just smoothed returns.

Advanced
20 min
Level 54 modules

Geo-Arbitrage

Accelerate your FIRE through geographic mobility: when your zip code becomes a financial lever.

🌍

Geo-Arbitrage: Your Zip Code Is Worth 9 Years of FIRE

The equation that cuts time to independence by 3, without raising your income or your absolute savings.

Intermediate
8 min
⚖️

Geo-Arbitrage vs Classic FIRE: Up to 26 Years Off Your FIRE Timeline

How many dollars and years can a well-chosen relocation save you? Three quantified corridors (Lisbon, Mexico, Bali) and three traps that can wipe out the gain.

Intermediate
10 min
📍

183 days that change your tax rate (and your entire FIRE plan)

183-day rule, OECD treaties, exit tax: the practical playbook to switch your tax status without losing the savings earned through geo-arbitrage.

Intermediate
11 min
🧭

Choosing your FIRE country: your personalized top 3 in 4 minutes

Weight 5 criteria (cost, tax, healthcare, safety, quality of life). Get your top 3, then your full shortlist on the 100+ country map.

Intermediate
12 min

Your path to financial independence

FIRE (Financial Independence, Retire Early) isn't a trend, it's an equation. This Academy gives you the mathematical grammar to turn a fuzzy goal into a measurable action plan.

🎯 The philosophy: Math doesn't lie

Saving 50% of your income gets you to financial independence in ~17 years (versus 51 years at 10%). Finally understand the real impact of compound interest and the dreaded sequence-of-returns risk.

🙋‍♂️ Who is this academy for?

Aspiring early retirees and investors who want to go further. If you're wondering why a stock-market crash in your first retirement years can wipe everything out, you're in the right place.

🧠 Prerequisites: Zero pointless jargon

You know what a savings account and inflation are? You're ready. Advanced concepts (Monte Carlo, Markov models) are introduced step by step, backed by interactive simulators to lock in the ideas.

🗺️ The programme: 5 progressive levels

Every module is standalone. Cherry-pick what you need or follow the recommended order:

  • Foundations: the basics and the mindset.
  • Mechanics: allocation and rebalancing.
  • Decumulation: withdrawals and managing losses.
  • Masterclass: advanced simulations.
  • Geo-arbitrage: mobility as a FIRE accelerator.

Put the modules into practice

Apply what you learn to your own situation: your FIRE date in seconds, no sign-up needed.

Run your FIRE simulation