FIRE Agent

Your personal coach to achieve Financial Independence and Retire Early.
Built on Bill Bengen's updated 4.7% Rule research.

How It Works

1. Gather Your Numbers

The agent collects key financial inputs through a guided conversation:

Age, Income & Expenses
Current Investments (liquid only)
Home Equity (tracked, excluded)
Pension / Social Security
Expected Inheritance

2. Multiple Scenarios

Based on Bill Bengen's updated research with multiple strategies:

Standard: 4.7% for 30-year horizons.
Early Retirement: 4.2% for 50+ years.
Die With Zero: Optimized depletion.
Sensitivity: 5%, 7%, 9% growth rates.

3. Your FIRE Roadmap

Receive your personalized FIRE Roadmap with full transparency:

Exact FIRE Number & Target Year
CoastFIRE Status Check
Pension & Inheritance Impact
Expense Reduction Analysis

Evidence-Based Planning

We don't guess. We use the updated research from Bill Bengen, the creator of the 4% Rule, to calculate safe withdrawal rates for modern markets.

Bill Bengen on the 4% Rule Update

Creator of the 4% Rule

"The 4% rule is now the 4.7% rule due to better diversification and the inclusion of small-cap value stocks."

Legal Disclaimer

Important Disclaimer: For Educational and Informational Purposes Only.

The information and trading strategy outlines provided by this tool, including any analysis, commentary, or potential scenarios, are generated by an AI model and are for educational and informational purposes only. They do not constitute, and should not be interpreted as, financial advice, investment recommendations, endorsements, or offers to buy or sell any securities or other financial instruments.

LongtermTrends and its affiliates make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability with respect to the information provided. Any reliance you place on such information is therefore strictly at your own risk.

This is not an offer to buy or sell any security. Investment decisions should not be made based solely on the information provided here. Financial markets are subject to risks, and past performance is not indicative of future results. You should conduct your own thorough research and consult with a qualified independent financial advisor before making any investment decisions.

By using this tool and reviewing these strategies, you acknowledge that you understand this disclaimer and agree that LongtermTrends and its affiliates are not liable for any losses or damages arising from your use of or reliance on this information.