The AI Roadmap to FIRE: How to Retire at 40

Retiring at 65 is standard. Retiring at 40 requires extreme discipline—or smarter tools.

Your "Freedom Number"

The first step to FIRE (Financial Independence, Retire Early) is knowing your number. It's usually 25x your annual expenses. OptiVault tracks your real-time expenses to give you a dynamic, accurate Freedom Number that updates daily.

Lean FIRE vs. Fat FIRE

Do you want to retire on a shoestring budget in Bali (Lean FIRE) or with a luxury lifestyle in New York (Fat FIRE)? OptiVault allows you to toggle between these scenarios, showing you exactly how much extra you need to save per month to upgrade your retirement lifestyle.

Avoiding Lifestyle Creep

The enemy of FIRE is "Lifestyle Creep"—spending more as you earn more. Our AI detects when your income rises and automatically prompts you to increase your savings rate before you get used to the extra cash.

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