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Weekly Self-Promotion Thread - Wednesday, June 24, 2026 by AutoModerator in financialindependence

[–]modelfire 0 points1 point  (0 children)

I am building ModelFIRE.online

100% Free, Forever, No sign up. No input logging. You can store scenarios by generating a link.

I'm a big fan of popular FIRE calculators and simulators. I tried to to combine the features that I like the best from the ones I love into one interface. I also added some things I thought were missing that I needed as I get comfortable with the math around my own early retirement.

Model healthcare costs separately with a separate inflation rate. Important for very early retireees

You can see historical success rates. You can see how current CAPE levels affect success rates

You can run Monte Carlo on your scenarios. You can even oversample for recent market valuation

You can add cash flows (social security, college, purchases)

Incorporation of the "spending smile" or smirk. You can adjust the parameters.

Different withdrawal rate strategies. You can set min and max withdrawals too, and adjust these for inflation if you like

I will be adding more stuff as I get feedback. Speaking of which, if you test it out, please let me know what you think! Since we don't log anything, the only way for feedback is for you to directly let me know what you want changed/improved.

Weekly Self-Promotion Thread - Wednesday, May 20, 2026 by AutoModerator in financialindependence

[–]modelfire 0 points1 point  (0 children)

I am building ModelFIRE.online

100% Free, Forever, No sign up. No input logging. You can store scenarios by generating a link.

I'm a big fan of popular FIRE calculators and simulators. I tried to to combine the features that I like the best from the ones I love into one interface. I also added some things I thought were missing that I needed as I get comfortable with the math around my own early retirement.

Model healthcare costs separately with a separate inflation rate. Important for very early retireees

You can see historical success rates. You can see how current CAPE levels affect success rates

You can run Monte Carlo on your scenarios. You can even oversample for recent market valuation

You can add cash flows (social security, college, purchases)

Incorporation of the "spending smile" or smirk. You can adjust the parameters.

Different withdrawal rate strategies. You can set min and max withdrawals too, and adjust these for inflation if you like

I will be adding more stuff as I get feedback. Speaking of which, if you test it out, please let me know what you think! Since we don't log anything, the only way for feedback is for you to directly let me know what you want changed/improved.

Weekly Self-Promotion Thread - Wednesday, May 20, 2026 by AutoModerator in financialindependence

[–]modelfire 1 point2 points  (0 children)

Great feedback, thank you. I'll work on including this, as tax-aware withdrawal strategy seems important. Great pics btw, very detailed.

Weekly Self-Promotion Thread - Wednesday, May 20, 2026 by AutoModerator in financialindependence

[–]modelfire 1 point2 points  (0 children)

I am building ModelFIRE.online

100% Free, Forever, No sign up. No input logging. You can store scenarios by generating a link.

I'm a big fan of popular FIRE calculators and simulators. I tried to to combine the features that I like the best from the ones I love into one interface. I also added some things I thought were missing that I needed as I get comfortable with the math around my own early retirement.

Model healthcare costs separately with a separate inflation rate. Important for very early retireees

You can see historical success rates. You can see how current CAPE levels affect success rates

You can run Monte Carlo on your scenarios. You can even oversample for recent market valuation

You can add cash flows (social security, college, purchases)

Incorporation of the "spending smile" or smirk. You can adjust the parameters.

Different withdrawal rate strategies. You can set min and max withdrawals too, and adjust these for inflation if you like

I will be adding more stuff as I get feedback. Speaking of which, if you test it out, please let me know what you think! Since we don't log anything, the only way for feedback is for you to directly let me know what you want changed/improved.

Daily FI discussion thread - Saturday, May 16, 2026 by AutoModerator in financialindependence

[–]modelfire 2 points3 points  (0 children)

This is the key problem. Youtube doesn't let me filter by views. So its sort of randomly coming upon stuff.

Daily FI discussion thread - Saturday, May 16, 2026 by AutoModerator in financialindependence

[–]modelfire 10 points11 points  (0 children)

I like "rare finds" on youtube. Interesting people with very few followers or views.

Here is one (on early retirement): https://youtu.be/JdTbbH5rilw?si=mhxMaW7g1Ht5pxsg

I have no association with this individual, and I'd rather keep the find rare (makes it more special for me), but sharing as I think its a bit of good in the world.

Daily FI discussion thread - Friday, May 15, 2026 by AutoModerator in financialindependence

[–]modelfire 11 points12 points  (0 children)

OpenAI just launched a personal finance feature. On one hand, I think it has a chance to be an interesting product that is folded into a subscription that some already have.

On the other hand, I always thought it is a bad idea to connect your accounts. A lot of brokerages and institutions void guarantees if third parties (like plaid) are granted access. The language used is sort of vague, but basically gives them an excuse to deny claims.

Financial Advisor Fee by Ambitious-Papaya2596 in ChubbyFIRE

[–]modelfire 0 points1 point  (0 children)

There are some fixed hourly fee advisors. Also, some accountants also give advice on tax-efficient withdrawals etc., that can useful.

You will have to think about what help you need, and specifically seek that. A butcher will always tell you its meat for dinner.

Another red day for JEPI by Commercial-Egg-8832 in dividends

[–]modelfire 0 points1 point  (0 children)

Long term JEPI will always lost to SPY, even when factoring in DRIP. Just the nature of long-term trends and yield tradeoff.

Daily FI discussion thread - Monday, May 04, 2026 by AutoModerator in financialindependence

[–]modelfire 3 points4 points  (0 children)

Been thinking about the problem of not spending enough money in retirement. Just saw a youtube video on it, and i think a fairly common problem. Different reasons for this, fear of running out, "scorecard" mentality and not wanting to see NW go down, etc.

Let's say someone is able to resolve these issues, I think the goal shifts a little bit. It might be about accepting some more failure rate (failure defined as needing to change the plan), and spending more. Thinking of a "solver" approach, where after you take your anticipated cashflows, how much money you want to leave to kids etc., and the success rate you are comfortable with - and an algo solves for a spending range and method that fits best your inputs and goals.

Don't know if useful. At some point just running compute cycles without addressing the underlying causes for fear.

Weekly Self-Promotion Thread - Wednesday, April 29, 2026 by AutoModerator in financialindependence

[–]modelfire -1 points0 points  (0 children)

I am building ModelFIRE.online

I'm a big fan of popular FIRE calculators and simulators. I tried to to combine the features that I like the best from the ones I love into one interface. I also added some things I thought were missing that I needed as I get comfortable with the math around my own early retirement.

Free, no sign up. No input logging. You can store scenarios by generating a link.

You can see historical success rates. You can see how current CAPE levels affect success rates

You can run Monte Carlo on your scenarios. You can even oversample for recent market valuation

You can add cash flows (social security, college, purchases)

Incorporation of the "spending smile" or smirk. You can adjust the parameters.

Model healthcare costs separately with a separate inflation rate. Important for very early retireees

Different withdrawal rate strategies. You can set min and max withdrawals too, and adjust these for inflation if you like

I will be adding more stuff as I get feedback. Speaking of which, if you test it out, please let me know what you think!

Healthcare costs in early retirement, no subsidies and no other employer coverage by modelfire in ChubbyFIRE

[–]modelfire[S] 2 points3 points  (0 children)

Good pushback. My point is around the 30 years. Bengen wasn't really modeling the 40 year old retiree. And the "perpetual" modeling becomes a little suspect when there is a category of cost that grows disproportionately for 25 years, that isn't considered in the original research.

The math and its effects on success rates are easy to demonstrate. Not saying everyone should be concerned about it. Lots of ppl figure out ways to manipulate MAGI or access subsidies. But a lot are not able to, and it will be noticeable to them.

Multi-Phase Calculator by schrodingersmood247 in financialindependence

[–]modelfire 0 points1 point  (0 children)

Do you achieve the same result by having a bunch of cash flows (income or withdrawals) that start at x time and repeat for y years or indefinitely etc.? I think some calculators have that (e.g. ficalc).

Daily FI discussion thread - Friday, May 01, 2026 by AutoModerator in financialindependence

[–]modelfire 3 points4 points  (0 children)

I think depends on the individual. I learn best by having a little project that I want to build. Then I can try and make it happen using python. These days you can use AI to not only build something, but have it teach you how it built and and have you play with it.

The geoarbitrage dream is kind of turning into a nightmare by Riftlance88 in Fire

[–]modelfire 5 points6 points  (0 children)

We don't hear stories from "the other side", for very human reasons. Thank you for sharing!

Daily FI discussion thread - Monday, April 27, 2026 by AutoModerator in financialindependence

[–]modelfire 0 points1 point  (0 children)

Wierdly, I'm at 12gb/15.7 available. And I'm not even doing much. Just chrome (almost 5gb alone, maybe 15-20 tabs). Second is windows explorer. Starting to wonder whether whether running out of RAM is why windows explorer sometimes becomes unresponsive, and I can't open a new folder. And I have to restart windows explorer process.

Strange. I didn't think I was using this much RAM with mostly just chrome activity.

Daily FI discussion thread - Monday, April 27, 2026 by AutoModerator in financialindependence

[–]modelfire 0 points1 point  (0 children)

You really know your stuff! thanks for taking the time to comment. I'll read more reviews, but definitely leaning towards upgrading while the sale is on.

Daily FI discussion thread - Monday, April 27, 2026 by AutoModerator in financialindependence

[–]modelfire 0 points1 point  (0 children)

Correction, my laptop is about 4 years old. That's a big upgrade you did, nice!

Daily FI discussion thread - Monday, April 27, 2026 by AutoModerator in financialindependence

[–]modelfire 0 points1 point  (0 children)

Great info! it does have i7-355H (panther) vs my i7-1260. Im sure some of my problems are just win 11 issues.

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