The LOWEST Amount You Need to Retire Early (Less Than You Think)

Most retirement calculators tell you that you need $1.5–$3 million to retire…
But what if I told you those numbers are completely wrong?

In this video, I break down why the traditional “4% Rule” massively overestimates how much money you actually need — and reveal the real minimum number required to retire early (FIRE). Spoiler: it’s less than you’ve ever been told, and it might put early retirement within reach way sooner than you imagine.

What You’ll Learn:

🔹 Why the 4% rule doesn’t apply to early retirement
🔹 How your true annual expenses can slash your FIRE number by 30–50%
🔹 The difference between lifestyle spending and baseline spending
🔹 How part-time income, freelancing, or low-stress work can reduce your target by hundreds of thousands
🔹 The biggest levers that shrink your retirement number fast (housing, geography, healthcare & more)
🔹 The psychological mistake that keeps people working YEARS past their FIRE number
🔹 How to actually transition from saving → spending without fear

Whether you're aiming for full financial independence or just want the freedom to stop working a job you hate, this video gives you the math, the strategy, and the mindset to get there faster.