Author Topic: At what age you are FIRE'd / planning to FIRE and when did you hear about FIRE?  (Read 14285 times)


  • Bristles
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  • Age: 28
  • Location: Philly
1. At what age did you FIRE'd or planning to FIRE?

I should be bare-bones FI by 31 (3 years). I like to work and stay busy, so will likely not retire for many years beyond that. It's the FI part of FIRE that I'm most interested in.

2. When did you hear about FIRE and started planning for it?

I had always been a big saver, but read ERE a little over a year ago which brought things into clearer focus and started to define what FIRE might look like for me.

3. Top 3 goals

Maintain a healthy physical lifestyle, maintain a healthy mental lifestyle, give back to my community.


  • Walrus Stache
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  • Posts: 7020
  • Location: NSW Australia
Found ERE/MMM Dec 2011 and drank the kool-aid and committed to follow the path Jan 2012
Retired aged 60 in October 2018, 6 years and 10months later.
Top 3 goals ( what only 3?) :
-improve my physical and mental health and well being
-learn and try new things, mainly currently in relation to my homesteading lifestyle
-get out of my comfort zone and create new or re-kindle long term relationships.


  • Walrus Stache
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  • Posts: 8928
  • Location: the woods
1. Firebattical at 31, again at 33, and might be going back to work soon.

2. First heard about the idea at 12/13. It wasn't called early retirement, and there wasn't a community, just a rich dude who flung off his earthly possessions and traveled the world writing about the underground economies of the countries he visited.

Read ymoyl at 28, which led to mmm/ere/bogleheads.

3. My main goals were travel, activism, and visiting friends. They've shifted after doing that for a while. Now it's long-term relationships, mental health, and charity/activism.
And wearing pants ;-). The nice thing about FIREing early is that your plans (and life) can be constantly evolving to embrace new things and experiences that you may not have the opportunity to engage in when working a job you need to support yourself.  Your life when FIRE isn't any more set in stone for life then it is when job dependent. Even less so.

Pajama pants these days!

Missy B

  • Bristles
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  • Posts: 390
I learned about FIRE at 10 years old, when I calculated how quickly my money would double in my savings account, which was then at 10% interest. (I'm old.)
I didn't know how much money it took to live at that time, but it struck me that  if I spent less than I made, and saved it all in my savings account at 10% compound interest, that some day I could live off the interest. And then I wouldn't have to work. Not that I hated the idea of working, but the idea of *not having* to do something had quite a bit of appeal.

But not retired yet.


  • 5 O'Clock Shadow
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  • Posts: 19
  • Age: 49
  • Location: Nomad
  • Retired at 47,I'm a FREE [wo]man 'talkin' 'bout it
1. At what age did you FIRE'd or planning to FIRE?

I F.I.R.E.'ed at age 47.

2. When did you hear about FIRE and started planning for it?

I heard about F.I.R.E. through YNAB maybe about 6 or 7 years ago.  Didn't pay much attention.  But when my work became unbearable, I searched the web which led me to ChooseF.I. around 2017.  I crunched the numbers and I was already regular F.I.  So, I worked for two more years and F.I.R.E.'ed - no regrets!

3. Top 3 goals
- lost ~15 lbs, trying to maintain a healthy diet now that the weight is off
- getting my work/stress-related health issues managed
- cultivating close but neglected relationships


  • Magnum Stache
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Checked out of the workforce and got away from a paycheck a few years ago at 57.   Still serve on board of directors of a company which requires a day or two per month and play around doing farm work.
Never heard of FIRE untils reading a few forums like this, but certainly understood early retirement.

My goals are just continuing to do all the fun things we do; lots of hunting and fishing trips, vacation travel, spending time at our other properties, playing around the farms, enjoying the kids and grandkids, trying to stay healthy.   I like not living to a schedule and taking off and doing things rather spontaneously, without plans.   


  • Bristles
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  • Posts: 267
  • Age: 54
  • Location: USA
Planning to FIRE shortly after 55th birthday.  Been planning it for about 8 years now.  Been counting the days for most of that 8 years.


  • 5 O'Clock Shadow
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  • Posts: 24
  • Location: Austin, TX
1. At what age did you FIRE'd or planning to FIRE?  47-49ish, I'm working a well paying job now and I'm planning on doing that for the next 3 years saving as much as I can.  Then graduate school, and letting my funds just grow without me adding anything or taking anything out.   Then I am switching to a new career, that pays less, but is more rewarding.  I should have enough stashed then that I can choose to work full time or part time, so that will give me some flexibility. I doubt I would have the funds to not work at all (or it would be very tight), but that's not the plan for me anyways. 

2. When did you hear about FIRE and started planning for it?  in 2014 I heard about FIRE, but I didn't really understand what I was supposed to do and why that was a benefit.  Being frugal by nature, I had more money coming in that I could spend,  I just didn't know what to do with it.  By 2016 it all started to make sense, I read YMOYL and started my wallchart and started tracking, then MMM and I started with Betterment (that's when it dawned on me that I could make money without doing anything), after about 6 months of Betterment I switched to Vanguard.  Then I got a well paying job that I hated, and that kicked my butt in gear, as I began to realize that the profession I chose in my 20s was not something I wanted to do for the rest of my life.  I would have normally just focused on making loads of money until I retired, but once I started to pursue my passion outside of work, I decided that I wanted to make a career shift instead when I am able.   It definitely took me awhile to figure out what that new career shift would be though, I spent years in "I hate my work but I don't know what else to do" mode.

3. Top 3 goals
Buy a house for once, or better yet, buy land, design and build my own house and huge garden with fruit trees.  I've been a renter up to this point, and I'm in my 40s  (I am so sick of sharing walls with other people)
Make a difference in the lives of people and the planet. 
Learn, learn, learn  (I'm someone who would have been a perpetual student if I could afford it)

and as another poster said "Do all of this without rushing!"
« Last Edit: October 17, 2020, 05:11:34 PM by LaserCat »


  • Pencil Stache
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  • Age: 33
  • Location: NYC Area of Earth
1. Planned on FIRE age 42 originally (2030) but now I think Iíll pull the plug closer to 39 in 2026/2027 when I hit FI. From there I will work for myself part time at least until my kids are out of the house - but Iím thinking 8-12 hours a week initially. Kids should be out of the house when I am mid to late 50s. Have my first on the way this spring.

2. Heard of FIRE/MMM in 2016 when reading about the stock market, kept seeing articles which referenced MMM and started reading the blog - I was about to payoff $100k in student loans in 2018 and was looking at what the next steps were. I knew nothing about the stock market and only had a few grand in my 401k. I started maxing all my retirement accounts in 2017 and hit 0 net worth in April 2018.

3a. Be a role model for my kids, help them create an honest life and be educated
3b. Take care of my parents and in-laws as they age, provide for my parentís retirement
3c. Take care of my wife, make sure she achieves her goals/dreams an is comfortable
3d. For me: Snowboard trips to Alaska, Japan, the Alps, and Chili, homestead, design my own home, manage rentals & build up a portfolio, build an indoor skatepark, learn piano & Chinese, travel slowly and extensively, learn to surf, catch 10,000 sunsets, see the northern lights, drive a Porsche at a track a few times.

If I can do all of that I can die without regret.


  • 5 O'Clock Shadow
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  • Posts: 58
1. At what age did you FIRE'd or planning to FIRE? Shortly before my 39th birthday.

2. When did you hear about FIRE and started planning for it? About 12 years ago. I've always been a saver but not much an investor. So, I changed my strategy, took on more risk, be more active in getting higher paying jobs.

3. Top 3 goals
- Be a better person mentally, emotionally, physically every single day. Get out of my comfort zone.
- Spend more time with loved ones.
- Fix my personal/mostly childhood issues that I still carry on to this date.

time is money

  • 5 O'Clock Shadow
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  • Posts: 7
1. At what age did you FIRE'd or planning to FIRE? Plan is 5 years from now. I will be 42. My wife 36

2. When did you hear about FIRE and started planning for it? Heard about it about 2 years ago. I was quite fed up with work and just told myself - can't do this til age of 65. It was actually MMM site that I bumped into at that moment. It took a while to read through the blog posts and getting familiar with the concept and maths. Properly with monthly investments started to focus on the plan just from March this year.

3. Top 3 goals

- First of all I am excited and looking forward about living the life with not spending 9 hours daily in office chair
- Change of lifestyle - spend more time outdoors, camping, kayaking, travel, gardening, fishing etc
- Spend more time with family and friends. I am living in a different country now, meeting parents and sister only once a year or so. I will retire in my home country - therefore hoping to spend more time with them and meet them more frequently than now.

Mrs. Healthywealth

  • Stubble
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  • Posts: 246
1. Just became FI, but will FIRE mid to late 2021 to ensure DW can FIRE too and we have a large buffer.
2. Heard about FIRE think in 2011 or 2012 when reading extreme retirement blog and MMM. We changed course this year by purchasing rentals and that slashed our Fat FIRE from 4-5 yrs to less than a year.
3. Focus on well-being (health, meditation), learn to have leisure time, pick up skills-guitar, building a house, etc. Iím not planning to retire to something, just figuring out where life takes me, and being ok with that.


  • 5 O'Clock Shadow
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  • Posts: 1
1. At what age did you FIRE'd or planning to FIRE?   Fired and FIRED at 43. 
2. When did you hear about FIRE and started planning for it?   2014
3. Top 3 goals

Diet and Exercise
Learn Spanish
Latin Dance


  • Senior Mustachian
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  • Posts: 11866
  • Location: Australia or another awesome area
1. At what age did you FIRE'd or planning to FIRE?

FIREd at 53

2. When did you hear about FIRE and started planning for it?

Learnt about FIRE at 57 when I found MMM. I guess I started planning for retirement at about 50. It had never dawned on me that you could retire early. We have superannuation instead of a 401k, and the superannuation companies run free seminars about the ones youíre in. I was keen to learn about them, and I talked to the presenters to find out more. At one of them, there was a financial planner in the audience, unrelated to the company, but the presenter told us he was there. He told me I could retire tomorrow. It took me three years to convince myself that I could.

3. Top 3 goals
- Be happy. Enjoy life and leave the world a bit better.
- Learn. Satisfy my curiosity, and become skilled.
- Interact. Create and maintain friendships, be part of my community, and have satisfying relationships.


  • 5 O'Clock Shadow
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  • Posts: 19
1. At what age did you FIRE'd or planning to FIRE?   Goal of coast FIRE ~2025 and then fat FIRE 10-15 years later
2. When did you hear about FIRE and started planning for it? 2018 
3. Top 3 goals

Live abroad seasonally
Practice medicine in volunteer capacity (no more answering to corporate structure or insurance companies)
Be more present with with my wife/kids/family/friends

Much Fishing to Do

  • Pencil Stache
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1. At what age did you FIRE'd or planning to FIRE?   Went from 60/hr weeks to 20 hr/wks (which is enough to cover current expenses) at 47.  Will likely pull the plug completely at 50 (except for my school crossing guard job that I love, will likely do that for as long as I can).
2. When did you hear about FIRE and started planning for it? Planned for it at 30, well before I ever heard of the term, as I was having to spend a lot of time away from my family (basically just home on weekends) working in chunks of time but making plenty to then take off chunks of time if we kept our spending reasonable (like 3 months on, 2 months off, and the less we spent the longer the time off).  Really helped me divide income from expenses which was important for me to understand.  Occurred to me this all seemed possible on a grander scale, lifelong.  As my circumstances and growing nest egg allowed me to take bigger risks, I was able to work from home, and then the RE part was no longer so important, but the ideas had been planted.
3. Top 3 goals - That's a tough one and that it is is probably why I haven't pulled the trigger yet.


  • Walrus Stache
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  • Posts: 5773
1. At what age did you FIRE'd or planning to FIRE?

-I had to medically retired at 38, had I been able to continue working full time, I would have hit FI by early 40s

2. When did you hear about FIRE and started planning for it?

-I heard about FIRE not long after I finished school in my early 30s.

3. Top 3 goals

-My goals haven't changed just because I'm not working, but they are always in flux as I'm always taking on new things. I don't really have a 'Top 3 goals' as such, just an overall goal to live a really rich and fulfilling life no matter what the circumstances.


  • 5 O'Clock Shadow
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  • Posts: 93
  • Location: Florida
  • Hit FI around age 45, finally retired at 56
  • Not sure when I first heard the term "FIRE". Read all kinds of stuff in the early '90's (Your Money Or Your Life, etc.) Actually thought I'd hit it much earlier than I did.
  • Goals: a) be free of the migraines I'd had since elementary school (check!); b) Have more time for volunteering (check!); c) Maybe start a non-profit (decided there are already enough organizations in existence where my skills can be used. Also, paperwork - yuck!).
« Last Edit: March 02, 2021, 02:55:03 PM by hooplady »


  • Handlebar Stache
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  • Age: 44
1) We hit our FI number this year (1.2M) but just moved to Canada from the US so I want to see a year's worth of expenses.  I'm 44, DW is 40.
2) I don't know when I found MMM, but I've always been very frugal / invest-y (since high school, if not younger).  I spent my 20's living in Asia (frugally, but not making much of anything) and DW came to the relationship with some debt, so we kind of started in our 30's.
3) I don't really think in terms of goals, but since you asked: be a good dad and husband, grow a significant portion of my own food, meditate daily and go on retreats.


  • Stubble
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  • Posts: 127
1) Somewhere between the age of 50-53, which is not very far in the future NW is currently ~1.6m, and should be around 2m when I pull the plug. Wife early retired a couple of years ago, which has made my working easier as I have less to deal with.

2) My Dad had retired at 52, and impressed upon me the magical nature of compound interest, so I started investing soon after I got a real job. I discovered MMM around 2013?, when I was at a job that didn't suit me well, but was "too good to give up". I was aiming for LeanFIRE ASAP.

Luckily, without intending to take chances, I happened to invest in some things that have consistently beat the market over a long time frame (Apple, Google, Cdn Banks, etc). I was trying to pick stocks and build a portfolio of good companies, and just got lucky. My returns for the past few years have been:
  • 2013: 21.1%
  • 2014: 26.7%
  • 2015: 9.3%
  • 2016: 13.1%
  • 2017: 11.8%
  • 2018: -3.7%
  • 2019: 27.7%
  • 2020: 28.3%
Then, just as I hit my LeanFIRE number (about 3 years ago), I finally got a job where I had been trying to get hired at for a few years. I definitely wanted to give it a try, and ended up liking it pretty good - even better than I expected to. Working because I was choosing to, and not because I have to, makes a big difference, in addition to the job itself just being way more interesting. So the LeanFIRE goal has turned into FatFIRE, and the combination of a) kind of liking my job (as much as I believe it's possible to do so, anyway); b) logistics of kids in school; and c) nice amount of vacation time means I'll stick with it until my eldest graduates high school.

3) Goals... I guess I try to be a good husband to my wife (almost 25 years!) and Dad to my kids, and follow the Dalai Lama's simple advice: "If you can, help others. If you can't, at least do not hurt anyone." I guess I want to expand my circle of friends slightly, but that's on pause until this pandemic is over. I also want to do some of the travelling that we never seemed to get around to doing. Our dream now includes a camper van, with a lot of time in it seeing other places in Canada, and also global sights. We had a plan to finally do a family trip to Europe in 2020, but that got COVIDed. A long journey seeing the sights in New Zealand would be pretty awesome, too. Finally get into meditation, take some more time for my health and hobbies.


  • Stubble
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  • Posts: 195
  • Location: California
    • Evgenia Got FI
1. At what age did you FIRE'd or planning to FIRE?

38, which was mid 2015.

2. When did you hear about FIRE and started planning for it?

I first heard of the concept in Your Money or Your Life, which I came across somehow (maybe Oprah, maybe the copy sitting around at my grandparents' house?) in the mid 1990s. I started saving in earnest as a college student in 1998 (I worked full time and attended school full time as my parents had no money), to get the free 401(k) match money). I heard of FIRE 10 years ago. Until then, I had never associated the idea of retiring early with my blue-collar-born self. Who could conceive of not working?!

3. Top 3 goals

Spend as much time with my husband and dog (preferably outside) as possible. Continue doing what I'm doing, all of which I love. Never have another job interview.


  • Stubble
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  • Posts: 170
  • Age: 25
  • Location: Rocky Mtns
1. I want to be FI by 30-31 but don't currently plan to RE, at least not fully, I just want to start working weirder/less stable/seasonal jobs or start a small business that involves one of my hobbies. I'm about 1/5 of the way there!
2. I first learned about FIRE from the MMM blog by accident when I was 18 and it directly led to me going to grad school at 20 to pursue my current career, so shoutout to MMM.
3. My first goal has always just been to not be worried about money, to really be able to take care of myself and friends in need. Otherwise I just want to spend really good quality time with my loved ones for as long as I have them, and keep my mind and body active and healthy for as long as that's in the cards.

Abe Froman

  • Stubble
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  • Posts: 140
  • Location: Greater Chicago
1. At what age did you FIRE'd or planning to FIRE?

I am currently FIREing at the ripe old age of 46. My goal was to beat 50.

2. When did you hear about FIRE and started planning for it?

I think I heard about it somewhere in 2016. I started planning for it in 2017-ish - but already had a plan for a stash by that time. I mostly was savign hard for something - but did not know the goal of FIRE until I started reading through this MMM forum and all the links (blogs/calcs/dreams) shared.

3. Top 3 goals

Be OK with lingering in boredom for once, appreciating a slower life - and living in the moment with my wife and kids.
Spending time with my pre-teens before they run to their HS/College friends.
Sail down the East Coast to FL, maybe the islands.


  • 5 O'Clock Shadow
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Planned for age 40, and now I'm 40, and I did it. Still reeling.

My goals are:

1. Spend more time with the kids while they still want to spend time with me
2. Catch up on my open source software hobbies
3. Study physics with the goal of understanding electroweak symmetry breaking

Physics is a terrible career but a wonderful topic, I will re-enroll in college (nearby state university) to learn this stuff.


  • 5 O'Clock Shadow
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  • Posts: 21
  • Age: 55
  • Location: Melbourne Oz
Planning on retiring this year so I will be 55.

I first found MMM about 4 years ago but had no intention of retiring early as I loved my job and found it very self fulfilling. I am just naturally relatively frugal so we are financially able to stop work.

3 goals are 1 not work
                 2 socialize more
                 3 get more exercise and get fitter so I am healthy as I get older.


  • Pencil Stache
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  • Location: Minneapolis 'burbs
While going through different topics, got a thought to check the following..

1. At what age did you FIRE'd or planning to FIRE?
2. When did you hear about FIRE and started planning for it?
3. Top 3 goals

1. FIREd a year ago at age 45.

2. Heard about it from John Greaney's Retire Early Home Page and the associated Motley Fool message board in 1998. Told DH and we started planning immediately.

3. a. Lose weight - almost done, the pandemic stress had me going in the wrong direction my first 6 months of retirement.
    b. Help my parents more - going well, they need it and I'm glad to do it.
    c. Catch up on house projects and revamp our yard - eh, still working on that one.


  • Pencil Stache
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I FIRED 3 years ago at 35, didnít mean to, I quit a terrible job with the intention of getting another one but taking a few months to get overdue medical stuff taken care of, and three years and three spinal surgeries later, Iím still without a job and not employable in my old field anymore.  Thankfully I was paid very well in my 12 years of working and we never spent a dime of my salary, because you never know what could happen.

 DH was working until he hit 20 in the military which is this year.  This secures pension and the biggie...medical for life. 

Goals, finish recovering from surgery number 3, which was excruciatingly painful and doesnít appear to have helped at all so far

2. Come to terms with my new limitations, which I must say is taking a bad mental toll on me

3.  Try to find new things that I enjoy that donít involve bending over or lifting over 10lbs, and try to exercise more, which is difficult with the pain level and loosing feeling in my feet. 


  • 5 O'Clock Shadow
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  • Posts: 26
  • Age: 23
  • Location: New York, NY
1. When did you hear about FIRE and started planning for it? - A few months ago?

2. At what age did you FIRE'd or planning to FIRE? - It's complicated? I was already pursuing a career in music before hearing of this because I'm not inclined to working a "real job." A career in classical music is already like 50% of the way to early retirement in that a lot of the work is frontloaded to mastering your instrument in childhood and early adulthood, and if you "make it" with a full-time orchestra position, the actual hours worked per week are significantly lower than 40. Running into MMM mostly has changed my approach to money and changed my short/medium-term approach to my career, without changing my really long-term goals. Orchestral work isn't what I would consider most artistically satisfying for me personally, but I'm now inclined to pursue that kind of position early in my career for the salary and benefits, and skip the whole 20-something "starving artist" phase that most people who pursue my interests have to go through. Once I've reached a sort of Lean-FI status on the orchestra salary, then I can "retire," and the sort of reputational legitimacy that comes with a position like that will help me a lot in pursuing my other artistic interests. I would love for that to happen by age 35 or so.

3. Top 3 goals
Short-term: Win a full-time orchestra job in the next year.
Medium-term: Maintain many beautiful friendships and fit a beautiful romantic partnership in there too
Long-term: Keep meditating, learning, sharing beautiful art, becoming a better person; and help teach others to do the same.


  • Pencil Stache
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1. When did I hear about FIRE start planning for it? April 13, 2013 in the Washington Post; That was a lightening bolt for me.

2. At What age did you FIRE or planning to FIRE? I was 28  when I read that. I had been practicing law for two years. I made the goal to retire at 35. In the end, the power of being financially independent enabled me to practice law solo and for clients and causes I wanted. By the time I hit 35, I was winding down a significant part of my law practice to focus on jury trial work exclusively. I reduced the size of my practice big-time. But, since I have so much control over what I do and who I do it for, I no longer feel the need to "retire." I'm just living and working on my terms now.

3. Top 3 Goals: In truth, I achieved so many things, I'm trying to move past achievements and goals and focus on what's right in front of me. If I gained freedom from money worries from MMM, I also gained freedom from chasing worldly achievements/goals. But, I'm an active person. I garden, play music, write, run community activities, engage in civic/government activism. I've got three small kids, a wife, a dog, the whole show. But, thanks to MMM and the money advice, I don't have to worry about money and just try to fill as many roles as I can for as many people as I can. It's awesome to be able to empower others to get stuff done by offering free legal advice, a few hundred bucks and some encouragement.


  • Pencil Stache
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  • Age: 92
1. First Heard about FIRE at age 46. Starting planning for it at age 47.

2. Love my career but hate the power these assinine employers have over us and their twisted politics. Planning to be FI ASAP. Planning to fully RE in the 65-67 age range. Possibly semi-RE as early as 62.

3. Top goals are stay healthy and engaged in my pursuits. Work towards FI/stay employed. Get kids through college and no longer be financially dependent on parents (us).


  • Magnum Stache
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  • Posts: 3585
  • Location: WDC

1. At what age did you FIRE'd or planning to FIRE?

FIREd at 53.   (5 weeks ago).  I was planning to go one more year into 2022, but I got there early and I just didn't want to work anymore.

2. When did you hear about FIRE and started planning for it?

First heard of the FIRE movement in 2013/2014.  I had just bought a big house in a HCOL area and was panicking about what that meant to my financial future.  I assumed I'd be working until age 74.  Then I learned I had options just by paying attention to what I spent.

3. Top 3 goals

Just want to live a good life.  good = good to myself and to others.


  • Bristles
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  • Posts: 458
1.  I'm 45 and will be officially retired tomorrow.
2.  I first heard about FIRE about 20 years ago when I read an article about the Kaderli's.  At first I thought it was nuts but then as I read more about finances and retiring early, I slowly realized it was possible for me.
3.  Goals?  stay healthy, have fun, and enjoy my family