One re-frame that can make your FIRE journey easier: Fund your last year first! If you’re 40 and expect to live until age 95, you only need to save ~$5k at 5% real annual return to cover $80k of expenses. That’s bite-sized savings.

The golf price was artificially fixed at $35/oz in 1971 but was $180 in 1974 when it was freely traded. That’s probably a better number to start from, which would imply more like 0.85 oz gold ~$3,300

EXACTLY

My dad paid $156 for tuition for a semester of college in 1971 🤯

New ATH last night, eh?

Would you take $1,000/week for life… or $1M upfront today? One of those choices turns a lottery win into generational wealth. The other guarantees mediocrity. 👉 Full breakdown in my latest FIRE BTC post: https://firebtc.substack.com/p/the-most-depressing-lottery-win-ever

Tomato, tomahto

Yeah, I agree. Sounds like we’re saying the same thing

You should do both. DCA with new income. Lump sum when you come into larger amounts

One thing I’ve found difficult with FIRE is learning how to spend the value I’ve saved. You delay gratification for so long, then feel uneasy and nervous about spending it down. Spending is a muscle that must be built, just like saving.