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fire-number

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Compute a financial-independence (FIRE) target and years-to-reach with every assumption labeled as an assumption — plus a sensitivity table instead of a single false-precision answer. Use when asked what's my FIRE number, when can I retire early, how much do I need to be financially independent, or model my savings trajectory. Produces the FIRE number, years-to-target at stated assumptions, a return × withdrawal-rate sensitivity grid, and the honest list of what the model ignores.

skills/fire-number/SKILL.md

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Nov 10, 2026
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# FIRE Number Skill

Every FIRE calculation is three assumptions wearing a number's clothing: a withdrawal rate, a real return, and the pretense that returns arrive in a convenient order. This skill does the math properly and refuses the false precision — the deliverable is a *surface* of outcomes with the assumptions labeled, not a single date to organize a life around.

## What This Skill Produces

- **The FIRE number** — annual spend ÷ withdrawal rate, with the withdrawal rate named as the choice it is
- **Years to target** — at stated savings, contributions, and real return
- **The sensitivity grid** — years-to-target across return (3/5/7%) × withdrawal rate (3/3.5/4%)
- **The ignored-risks list** — sequence-of-returns, taxes, spending drift — stated, not buried

## Required Inputs

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