Guides: FIRE, debt and saving, explained properly

Each guide answers one question with worked numbers, then hands you the calculator that produced them.

42 guides · page 2 of 5

How to use the savings goal calculator

Turning a target and a deadline into a monthly figure, deciding whether to hold the money in cash, and what to do when the number is too big.

Where the 4% rule came from, why it may not travel to the UK, and how to choose the percentage your own plan should use.

What a 35% fall in your first year of retirement does to a plan, why timing matters more than size, and the fixes that actually work.

Running your plan against real historical sequences, why 1966 matters more than 1929, and what a failed cohort actually tells you.

Setting the purchase and rental sides fairly, what the break-even year actually means, and handling purchase tax outside the UK.

Funding the years between stopping work and reaching your pension, sizing the bridge pot, and splitting contributions between ISA and pension.

Splitting your pay the day it lands, deciding the order money should leave, and why allocating beats budgeting for most people.

What counts as an asset, how monthly check-ins work, reading the rings and trend charts, and why the direction matters more than the number.

What a regular overpayment does to your term and interest, the 10% annual limit, and when overpaying beats investing the same money.

Why one average return hides the real risk, what a success rate does and does not promise, and which number to aim for.