Good work! How are you coming up with 3 years? I've found savings percentage/years to retirement chart is good getting in the ballpark, but once you get closer to ER, 25 times your annual expenses in your portfolio (including your principal payments) helps one hone in on a timeline a little better.

Thanks for the questions about 3years. You are right that I was unclear. I will try to share more:

I did not use the shockingly simple math graph, but had to recreate the simple spreadsheet, ( link in that post) so I could start with a base amount. Eg midway on the chart.

Then I calculated the income the stash would generate, added it to my DH expected salary ($40k for conservative low salary, that is his part time hourly wage now), to see when the amount created matches our current level of spending including our full mortgage payment for near term.

I ran it including our home equity and excluding it

I then compared to the FIRESIM calc a I did a few month ago.

Conservative estimates from all are 3years,

normal risk tolerance aka pull $300k out of home equity and downsize, would allow FIRE now. (Or get a boarder or make $10k more per year).