FIRE Amount - Questions about Accounts

[CharlesSowAV]

Hi People,

I have a question. It looks like I may reach FIRE in 12 years. My needed amount appears to be 600,000. Does that count ALL money including in retirement accounts? For example, if 200K is in a retirement account (a 403b), can I touch that if I retire at 45? Or will I live off the other money and do the 403b when I reach retirement age?

[forummm]

Your funds for retirement include all your liquid assets. I don't include home equity value since that's not an income generating asset. Having a paid off house just lowers the amount you need to spend.

You can use the funds in your retirement accounts at any age. Look up Roth IRA Pipeline (the easiest way) or Substantially Equal Periodic Payments.