Calculate current net worth — assets minus liabilities baseline
6wDefine FIRE number — target portfolio value for financial independence
5wOptimize tax-advantaged accounts — 401(k), IRA, HSA strategy
4wTrack monthly savings rate — target 50%+ of gross income
3wInvestment portfolio allocation — index funds, bonds, and rebalancing plan
3wSide hustle or income stream diversification — $X/month goal
9FIRE milestone tracker — celebrate every $100K saved
Reduce expense ratio on investment accounts — audit fees
5wEmergency fund check — 6 months of expenses in high-yield savings
2wFIRE simulation — run Monte Carlo projections
4Health insurance strategy for early retirement
7Coast FIRE calculation — when can I stop contributing?
3wBackdoor Roth IRA conversion steps
9Barista FIRE — part-time work options for healthcare coverage