u/LongViewLogic

Something I keep thinking about:

A lot of FIRE calculators feel very rigid. Fixed withdrawal assumptions, static spending, basically treating retirement like some irreversible cliff. But real life seems way messier than that. People can adjust spending, relocate, work part-time again, change plans if markets suck for a while, etc.

So for people close to coast/FI:

How do you personally decide whether another working year is materially improving long-term safety vs just reducing anxiety?

Feels like this is one of those decisions that’s way harder psychologically than mathematically.