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Calculating This One Number Set Me on a Path to Financial Freedom. Here’s The Formula

I didn’t start thinking about retirement until I was 33 years old.

I was unemployed, married with two children, renting in a high-cost living area, and experiencing a global pandemic. Fortunately, I had some money invested in retirement accounts with previous employers from my twenties. But my husband? Well, he was 32 years old without a dollar in a 401(k) or an IRA.

Less than a year later, we’re now on track to become work optional at 47. That’s how quickly a FIRE number can change your life.

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