Escape the 9-5 with FIRE
The Math They Never Taught You About Money, Time, and Getting Out Early
Finding your FIRE number takes a calculator and five minutes. The hard part is what comes after: the moves in the right order, and the traps that reset your timeline.
Most FIRE plans fail in the gap between the number and the exit: tax moves done in the wrong order, lifestyle creep that pushes the target further out, and One More Year Syndrome dragging the timeline years past the day someone could have walked away. This book covers that gap, in 36 pages with no fluff.
- The savings rate table — see exactly how many years you can cut by saving 10% more
- Coast & Barista FIRE — the two paths most people overlook that get you out years earlier
- The Double Effect — why every spending cut does two jobs at once and why it beats a raise
- The tax stack — 401k → HSA → Roth ladder, and why the order matters as much as the amounts
- Sequence of returns risk — the timing problem that can wreck a perfect plan, and how to protect against it
- One More Year Syndrome — the trap that keeps people working years past their number
- Plus the 2026 Tax Cheat Sheet — every contribution limit, bracket, and threshold on two pages, updated yearly through tax year 2030
The calculator gives you the number. The book walks you through the moves that get you there.
Instant download, both PDFs. 14-day guarantee: if the book doesn't deliver what this page promises, email me and I'll refund you.
What's inside
Seven parts, twenty short chapters, and a reference appendix. Here is the full table of contents, so you know exactly what you're buying.
Before We Start
Part One: The Problem
You Were Given a Script You Never Agreed To · The Villain in This Story Is Not Your Boss
Part Two: The Math
The One Number That Changes Everything · The Table That Rewires Your Brain · The Real Cost of Spending · Life Energy
Part Three: The Three Paths
Standard FIRE · Coast FIRE · Barista FIRE
Part Four: Making the Money Work
One Fund. That's It. · The Tax Optimization Stack · Sequence of Returns Risk — The One Thing That Can Break a Good Plan
Part Five: The Traps
One More Year · The Identity Crisis · Waiting for a Higher Income · Keeping Cash Instead of Investing It
Part Six: The Numbers Behind the Numbers
The Healthcare Problem (US Readers) · Geographic Arbitrage
Part Seven: Your Action Plan
The Five-Step FIRE Execution · The Most Important Decision You'll Make
Appendix: Reference Numbers
FIRE Planning Workbook
You found your number. The Workbook shows you how to keep it through the tax maze.
It's the Google Sheet you'd build yourself if you had a CPA and a free month.
Not sure which? Start with the $27 book. The workbook will still be here when you finish it.