
I think you misunderstood the fire movement. They're not trying to get a 25x return. They're trying to reduce their spending so that having a nest egg that is 25x their annual spending is easier. And then live a lifestyle that allows them to withdraw 1/25th (4%) every year. The growth they need to sustain that is to merely match inflation. They don't need 25x to do that. https://fountain.fm/episode/NYnqsqd7mDA2Irs4UdTp