Static plans for a dynamic life
Your life evolves—sometimes in ways you plan, and sometimes in ways you don’t.
Maybe you’re thinking about switching jobs, starting a family, or moving to a new city. Or maybe you just want to explore whether selling your RSUs or renting instead of buying makes more sense.
You need a FIRE tool that grows with you—without making you start from scratch or pay extra for every “new” plan.
Most tools or spreadsheets don’t work that way. They assume:
- A straight path from now to retirement
- No big life changes
- No tough tradeoffs to evaluate
Without real scenario planning:
- You’re stuck with one rigid plan, even if your goals change
- You can’t test “what if I…” before making major decisions
- You’re left guessing how tradeoffs impact your FIRE date
Even worse—you might walk away from opportunities like delaying FIRE to pay for your kid’s college… simply because you couldn’t see how it would play out.
Without scenario planning, you’re either planning blindly—or not planning at all
MOF gives you the flexibility to model real-life decisions and see how they impact your FIRE plan.
Adjust income, expenses, and goals. Want to cut expenses by 10%? Model a one-time splurge? Test an income boost or pay cut? Just enter your assumptions and MOF does the rest.
MOF lets you run scenarios—fast, flexible, and unlimited
How does a child impact FIRE?
- Increase living expenses
- Add a college goal
Could I Fat FIRE?
- Increase your FIRE expenses
What is the aggressive path?
- Increase your income
- Decrease your expenses
- Decrease your FIRE expenses
Instantly see the tradeoffs
Every change shows immediate updates to:
- Your FIRE date
- Your actions to get there
- Your fastest path
You’ll know exactly what you’re trading—and what you’re gaining.
Stacked scenarios
Life doesn’t change one variable at a time. Model compound changes, like:
- Getting a raise and funding a child’s college
- Taking a sabbatical and delaying FIRE
- Paying for a wedding and switching jobs
MOF handles these interdependencies and remembers your inputs—so you don’t have to rebuild your plan every time life shifts.
FAQ
A: As many as you want. MOF is designed for fast, iterative planning so you can explore freely.
A: Yes—you can save, title, and revisit them anytime to compare or update as your life evolves.
A: Almost anything: income changes, kids’ education, housing, RSUs, expenses, and more.