Somewhere out there is a Tuesday with your name on it.
Anyone can have a good Saturday. A free Tuesday is different - an ordinary workday that belongs to you, because the money works instead of you. That is FIRE, financial independence, and Tuesday is a free eight-stage roadmap to it: stabilize first, then protect, then optimize, then draw down tax-efficiently, with calculators and plain-English explainers at every stage.
Find your FIRE number, your debt-free date, and your first free Tuesday. No account required - your numbers stay in your browser.
The eight stages
- Steady - calm the basics: a roof overhead, every bill current, no new fires.
- The Safety Net - a high-yield emergency fund and the full employer 401(k) match.
- High-Interest Debt - eliminate toxic debt above ~7% APR with the avalanche method.
- HSA - the triple-tax-advantaged health savings account, the best account in the tax code.
- Individual Retirement - a Roth or Traditional IRA that follows you between jobs.
- Max Employer Plan - fill your 401(k) or 403(b) toward the annual IRS limit.
- Advanced Wealth - taxable brokerage, tax-loss harvesting, and your FIRE number.
- Tax-Efficient Drawdown - sequence withdrawals to minimize lifetime taxes.
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