Scenario · Lean FIRE · Age 29 → 80

Casey, 29 — Frugal Optimizer · Lifecycle Chart

$95,000 invested, $4,500/mo while below Coast, 7% real while saving, retire at 45, then $32,000/yr withdrawals with 2% real in retirement (illustrative stress; projected depletion past the chart horizon). Hover the chart for detail.

Earns $82k but lives on $27k. 67% savings rate, $95k invested. A true Lean FIRE case — the math should be wild. Scenario calculator

Portfolio path (year-end balance)

Black line = year-end portfolio · Grey dashed = Coast threshold · Hover any point for detail

Portfolio

Coast threshold

Age 45 retirement

Coast rule: at start of each age before 45, if portfolio ≥ FIRE × (1+r)^{−(45−age)}, contributions stop. Not financial advice.

Year-by-year ledger (scroll)

Age	Phase	Start $	Coast thr.	$/mo flow	Annual W	End $

Why balance can fall in retirement: This page uses 2% real after age 45 while withdrawing $32,000/year — a stress path so drawdown is visible. Real life varies. Compare with the calculator.