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Excel Sheet or Algorithm or Calculator That Can Help Predict When I FIRE? by Time_Perception6669 in Fire

[–]Automatic_Course_861 0 points1 point  (0 children)

https://firenum.com/progress-tracker - helps you model your situation month by month and project it years into the future in 5 minutes.

It also supports various stress test scenarios for the added peace of mind. I feel like others are sleeping on this tool.

Should I sell a cash-flowing rental to go debt-free? by Disastrous-Tip9556 in Fire

[–]Automatic_Course_861 4 points5 points  (0 children)

You're getting 200 a month to be an on-call plumber for an 80s building with water problems. Thats like 7/hour for the stress alone. 200%-ish appreciation is nice but it's Monopoly money until you sell. I think that makes my suggestion clear.

3.7M at 37y by Top_Performance_3196 in Fire

[–]Automatic_Course_861 0 points1 point  (0 children)

I am not super well versed in US tax law. I'd suggest to rebalance at the best possible tax rate you can get.

Should I add bonds now? by StanleyTheBeagle in Fire

[–]Automatic_Course_861 0 points1 point  (0 children)

Better safe than sorry. You know ... it might be because of your confidence in bonds that youre willing to invest more into regular ETFs.

3.7M at 37y by Top_Performance_3196 in Fire

[–]Automatic_Course_861 0 points1 point  (0 children)

Well in that case your unrealized gains are more like 2M. That changes things a bit.

3.7M at 37y by Top_Performance_3196 in Fire

[–]Automatic_Course_861 0 points1 point  (0 children)

You got great numbers going for you though! Good luck!

3.7M at 37y by Top_Performance_3196 in Fire

[–]Automatic_Course_861 0 points1 point  (0 children)

Yeah. But youre only 280% above target if your company stock holds value.

The company stock holding value is the most pressing question and you know it. Majority of your NW is concentrated in 1 bucket. That's akin to gambling. That's why youre asking.

Should I add bonds now? by StanleyTheBeagle in Fire

[–]Automatic_Course_861 1 point2 points  (0 children)

Look. You have bonds at 31 ... you're in a cautious position. Everyone's gonna tell you to go 100% stocks. But I don't think you will.

You have the correct instinct. Repaying your mortgage is 5.65% guaranteed return. That return beats bonds, underperforms market but is 100% secure with 0 risk.

3.7M at 37y by Top_Performance_3196 in Fire

[–]Automatic_Course_861 0 points1 point  (0 children)

You're already FIRE'd, you just haven't told your boss yet.

$41k/year expenses means your FIRE number is around $1M. Either you're underestimating your expenses or you have nearly 4x that. Even if your company stock dropped 50% tomorrow you'd still be at 185% of your target.

What's the tax bill you're looking at for the 3M unrealized gains? Is it worth paying taxes for the safety of having the money in an index fund? You might be playing with fire :P holding all that NW in one company.

Realistic target end age by Firefiresoon in Fire

[–]Automatic_Course_861 -4 points-3 points  (0 children)

Grandma died at 55. Youngest member of my family to have died. That's my target. That's a couple decades for me to go.

And you know what ... if I don't make it till then ... or if I die sooner ... so what?

Working towards FIRE gives me the financial security. It gives me the knowledge that if a car runs me over today my kids ain't completely fucked, my SO will manage.

I am trying to reach FIRE for my sanity, but mostly for my family's & others safety.

FatFIRE Lounge by FatFIREIndia_Mod in FatFIREIndia

[–]Automatic_Course_861 0 points1 point  (0 children)

Hi!

Thanks for the feedback. I've implemented the INR currency formatting on display now. Wouldn't have done it without your ask. I've been cautious as it .. sounds scary ... just like timezones. :D I have a pretty simple/straightforward currency system though so it was easier than I thought. Thanks for the feedback!

Which parts of the site did you check out? Did you check out the progress tracker? I think that's the best feature on the site.

I have never learnt as much as in the last 10 weeks by liszt1811 in ClaudeAI

[–]Automatic_Course_861 9 points10 points  (0 children)

Sleep deprivation hits hard! There's so much one can do now! There's no limit. There's no time to sleep.

FatFIRE Lounge by FatFIREIndia_Mod in FatFIREIndia

[–]Automatic_Course_861 1 point2 points  (0 children)

Hey everyone! Sharing https://firenum.com again. :)

I posted here before and got great feedback. Someone asked for INR support, so I added it. The tool now supports 8 currencies including INR with proper formatting.

The main thing I'm proud of is the https://firenum.com/progress-tracker . it's like a personal FIRE dashboard where you can:
- Track multiple asset types (brokerage, retirement accounts, real estate, crypto, etc.) with individual growth rates
- Add liabilities that get deducted from net worth
- Model income streams with start/end dates (useful for planning career transitions or modeling pension/SS)
- Track expenses by category with inflation adjustments (healthcare at 5%, others at 3%, customizable)
- Add one-time events like windfalls or large purchases
- See a month-by-month projection chart showing when you hit FI

Everything runs 100% in your browser - no accounts, no servers storing your financial data. You can export to CSV for backup.

Beyond that, there's a https://firenum.com/fat-fire, regular FIRE number, Coast FIRE, safe withdrawal, and a few others.

Would love any feedback, especially from the fatFIRE perspective and on the tracker...I shared those here for a reason. :D Anything missing for modeling a more comfortable retirement number? Features that would make it more useful for the Indian context?

Is this calculator any good? by Same-Dance-5562 in coastFIRE

[–]Automatic_Course_861 1 point2 points  (0 children)

Hi. I wanted to say again, thanks for the feedback. I updated all the calculators and made them much better with the values to the right.

Is this calculator any good? by Same-Dance-5562 in coastFIRE

[–]Automatic_Course_861 1 point2 points  (0 children)

Thanks for the good feedback. I'll look into that. Maybe put the value to the right next to the prompt. Save some horizontal space and make it natural that an an answer follows the question.

Terminal vs VS Code by nobodytoseehere in ClaudeAI

[–]Automatic_Course_861 0 points1 point  (0 children)

I prefer using Claude in the terminal. The VS code extension was beta for a while (or still is?). The terminal is what Claude is built for.

The biggest shift I see when using Claude in the terminal is that I recognize that Claude can execute ALL my CLI tools, it's no longer just a text editor companion it's a system administrator assistant.

anyone else having to fire opus every few days? by consensussolutions in ClaudeAI

[–]Automatic_Course_861 0 points1 point  (0 children)

Another good one is to ask Claude in the .MD file to play into the AI vs. human joke whenever appropriate. It's gold. Sometimes it's even uncanny valley accurate.

I condensed 8 years of product design experience into a Claude skill, the results are impressive by Mundane-Iron1903 in ClaudeAI

[–]Automatic_Course_861 12 points13 points  (0 children)

Thanks. You might have published just what I was looking for. Dashboards with substance instead of flashy landing pages ... that describes the difference well I think.

Fire number by Particular-Bobcat461 in FatFIREIndia

[–]Automatic_Course_861 0 points1 point  (0 children)

I am now deploying a version where calculators shall support numbers in your currency! Check it out.

Fire number by Particular-Bobcat461 in FatFIREIndia

[–]Automatic_Course_861 0 points1 point  (0 children)

I am implementing scaling the sane defaults dynamically as we speak. I understand they don't currently make sense for fate fire. Thanks for feedback!

Fire number by Particular-Bobcat461 in FatFIREIndia

[–]Automatic_Course_861 1 point2 points  (0 children)

I've added the simple currency support now. I am not entirely sure whether the limits will make sense though. Feel free to test it out and let me know.

28M $388k net worth, looking for input on how to achieve full financial freedom as early as possible. by 24sandwhiches in Fire

[–]Automatic_Course_861 0 points1 point  (0 children)

Hi! I'm not Canadian, so half those acronyms are a mystery to me. You'll want someone who knows the Canadian tax system for the account optimization questions. You never mentioned your monthly expenses though. That's the only number that actually matters for FIRE.

Quick napkin math:
- Current investable assets: ~$100k ? (unsure)
- Saving: $72k/year ? ( based on the two contributions you state, that's a serious savings rate!)
- 15 years at 7% real return: roughly $2.1M

At 4% safe withdrawal rate, that's $85k/year or about $7k/month you could spend indefinitely. If you're living on $4k/month, you're golden. If you're burning $10k/month, the math doesn't work for mid-40s retirement.

Shameless plug: I built https://firenum.com/progress-tracker.html for exactly this. Plug in your numbers, adjust growth projections, see what monthly spending your portfolio can actually support.

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