FIREnomics – Practical FIRE Guides: Savings Rate, Index Funds, 4% Rule Math

FIREnomics is a personal-finance publication that treats financial independence math as an engineering problem, with every claim tied to verifiable arithmetic. Recent coverage includes why the 4 percent rule breaks on fifty-year retirement horizons, how Magnificent-Seven portfolio concentration risk undermines fifteen-year plans, and the sequence-of-returns math that decides whether early withdrawals survive a bad first decade. Other pieces price spending fear as a withdrawal-strategy problem, frame a desired salary the way an investor prices an asset with a forty percent savings-rate benchmark, and run the expected-value math on nine-hundred-ninety-seven-dollar guru courses against fifteen years of plain index-fund returns. Expected-value reasoning, calibration, and receipts over hype. No income fantasies, no invented net-worth figures.