FIRE – Financial Independence, Retire Early
RetirementFIRE (Financial Independence, Retire Early) is a life philosophy and financial movement with the goal of becoming financially independent early – often long before the statutory retirement age – through consistent saving and investing.
FIRE does not necessarily mean stopping work. It means being able to choose whether, how much and what you work on. In the community, the "RE" (Retire Early) has evolved into "Reclaim your time".
The 3 core principles:1. High savings rate (often 30–70% of income) · 2. Conscious spending instead of going without · 3. Long-term, diversified investing (typically: global ETFs)
FireLotse philosophy:We follow the "Die with Zero" approach by Bill Perkins: build wealth while you live – not instead of living. No "one-more-year syndrome".