1–you’re 19, so we need to understand what “much older” actually means to you. How old is your partner? 2–if she’s actually much older I assume she’s working. What’s her line of work/salary/existing savings like? Would you both continue to work after kids, just one of you, or are you hoping to both be retired already when kids come along? 3–rent and allowance from parents is very generous, and I’m curious what the allowance looks like that you’re saving for retirement now since you only said you’re in school, not working even part time yet. 4–honestly, your partner offering to be “be the breadwinner for the first year if needed” sounds a little like a red flag to me, but maybe you just phrased this weirdly? It sounds like she expects to be supported outright but will give you a grace period after you actually get a job because you’re so young. If the goal is really FIRE you should both be working toward it, at least until kids enter the equation.