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FI-JOURNEY · STRATEGY BLUEPRINTS

Strategy Blueprints

Seven in-depth playbooks for the FI journey. Each one is free, no signup required, and includes an embedded interactive calculator.
All strategies
Sprinter
Accumulator
Strategist
Just starting · Sprinter
Build the foundation. Understand compounding, set a target, automate savings.
7 min read
The Compounding Engine

How small savings build fortunes — savings rate, compound interest, FI timeline.

savings rate calculator
Saving aggressively · Accumulator
Make the big decisions. Rent, buy, debt, kids, wedding — opportunity cost everywhere.
10 min read
The Decision Matrix

Rent vs. buy. Debt vs. invest. The accumulation-phase opportunity-cost playbook.

rent vs buy calculator
7 min read
The Coast FIRE Checkpoint

When you can stop saving and let compounding finish the job.

Coast FIRE calculator
7 min read
The Wedding Equation

What a $35,000 wedding really costs across a 30-year horizon.

wedding opportunity cost
Close to FI · Strategist
Tax-optimize and draw down. Roth conversions, harvesting, sequence risk.
11 min read
The Drawdown Stress Test

Will your portfolio survive a 2008? Safe withdrawal rate, sequence-of-return risk.

safe withdrawal rate
11 min read
The Roth Conversion Playbook

Access your 401(k) before 59½ — the 5-year ladder, bracket fill, and traps.

Roth conversion ladder
10 min read
The Zero-Percent Harvest

Pay $0 in capital gains tax using the 0% LTCG bracket — step up basis annually.

0% capital gains harvesting
Model your complete picture

The full simulator chains income, taxes, and life events year by year — and resolves how each decision ripples through the others.

Launch Full Simulator