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FIRE

The Crossover Point

Financially Independent Retire Early. Reaching the crossing point one month at a time.

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Hi, I'm Duncan

FIRE Reality (Not Financial Advice)

I get that talking about “financial freedom” and “f*** you money” feels like setting the bar way too high. For most of us, that’s about as realistic as finding a unicorn that poops gold coins.

But hey, I’m just a regular 30-something, soon-to-retire realist. My life? Equal parts ridiculous and eye-opening when it comes to how money grips us all. I’m here to share my unfiltered stories—full of lessons, laughs, and life hacks—to help you figure out what truly matters to you and finally ditch those cash-strapped anxieties.

This page is for the rest of us: the poor, the middle class, and anyone tired of playing the financial rat race.

 

Let’s retire the nonsense. Together.
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Not Hugh

Listen to the Podcast

"The Great Cosmic Retirement Plan" is a humorous narrative exploring the concept of Financial Independence, Retire Early (FIRE). The story uses comedic caveman scenarios to illustrate the historical struggle for financial security, contrasting it with the modern FIRE movement's focus on passive income. The narrative highlights the challenges of achieving FIRE, such as inflation and impulse spending, while ultimately promoting the idea of early retirement through careful financial planning. The whimsical use of a futuristic character, Qubit, adds a fantastical element to the otherwise practical financial advice. The overall message advocates for financial freedom and the pursuit of a life less dictated by traditional retirement ages.

The Great Cosmic Retirement Plan
16:50

Values

Frigual (3)
FIRE

The Financial Independence, Retire Early (FIRE) movement is built on three core principles

 

1. Frugality

Embrace a lifestyle of mindful spending by living below your means, eliminating unnecessary expenses, and maximizing your savings potential.

 

 

2. Freedom

Achieve financial independence to create a life of choice—whether that means retiring early, pursuing personal passions, or simply living without financial limitations.

 

3. Fiscal

Save a significant portion of your income—often 50% or more—and invest it strategically to grow wealth and generate passive income over time. With a love for budgeting.

 

By following these principles, FIRE enthusiasts take control of their finances, time, and future, unlocking the freedom to live life on their terms. These values help followers of the FIRE movement gain control over their time and lifestyle choices.

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The video about FIRE Crossover

 

3 Steps to Financial Independence

Use the FIRE crossover monthly process 

We’ll guide you through completing your monthly budget report, helping you stay on track to reach your financial goals—whether that’s achieving financial independence, reducing spending, building passive income, or breaking free from reliance on a job.

Start your journey now and take control of your financial future.

 

 

 

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