You can retire at
age 50
The plain 25× rule says age 49. The difference is tax, health insurance to 65 and money you cannot reach before 59½.
| FIRE number, tax and health included | $1,635,257 |
| Plain 25× number | $1,500,000 |
| Savings at that age | $1,739,909 |
| 10 % penalties in the bridge | $0 |
| Rule of 55 on the last 401(k) | no |
Social Security is left out: count it as a margin, not as income. Not personal financial advice.
| Age | Spending + health | Taken from | Tax | 10 % | Left in total |
|---|---|---|---|---|---|
| 50 | $67,200 | Taxable account $67,200 | $0 | $0 | $1,756,344 |
| 51 | $67,200 | Taxable account $67,200 | $0 | $0 | $1,773,601 |
| 52 | $67,200 | Taxable account $67,200 | $0 | $0 | $1,791,722 |
| 53 | $67,200 | Taxable account $67,200 | $0 | $0 | $1,810,748 |
| 54 | $67,200 | Taxable account $67,200 | $0 | $0 | $1,830,725 |
| 55 | $67,200 | Taxable account $67,200 | $0 | $0 | $1,851,701 |
| 56 | $67,200 | Taxable account $67,200 | $0 | $0 | $1,873,726 |
| 57 | $67,200 | Taxable account $67,200 | $0 | $0 | $1,896,853 |
| 58 | $67,200 | Taxable account $29,929 · Roth contributions $37,271 | $0 | $0 | $1,921,135 |
| 59 | $67,200 | Roth contributions $67,200 | $0 | $0 | $1,946,632 |
| 60 | $67,200 | 401(k) of last employer $74,833 | $7,633 | $0 | $1,965,389 |
| 61 | $67,200 | 401(k) of last employer $74,833 | $7,633 | $0 | $1,985,083 |
| 62 | $67,200 | 401(k) of last employer $74,833 | $7,633 | $0 | $2,005,762 |
| 63 | $67,200 | 401(k) of last employer $74,833 | $7,633 | $0 | $2,027,475 |
| 64 | $67,200 | 401(k) of last employer $74,833 | $7,633 | $0 | $2,050,274 |