FIRE Savings Rate vs Income: What Matters More? (2026)

fire strategy comparison showing impact of savings rate versus income on early retirement

One number should change how you think about your FIRE savings rate: doubling your income — from $60K to $120K — while keeping the same 25% savings rate doesn’t save you a single year toward FIRE. Read that again. You earn twice as much. You save twice as many dollars. And you reach financial independence … Read more