At a 10% savings rate, financial independence takes 51 years. At 50%, it takes 17 years. At 70%, just 8.5 years. Your savings rate, not your income, is the single variable that determines when you can stop working. This guide covers the math behind the famous Mr. Money Mustache savings rate table, why someone earning $200K at 10% savings rate is worse off than someone earning $60K at 50%, real-world benchmarks (BLS average 4.6% vs FIRE community 40-60%), how to calculate your TRUE savings rate, sensitivity analysis at different return assumptions, and practical strategies to increase your savings rate by 10% in 90 days.
-Rocky
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