Blog
Explore articles to help you achieve financial independence and optimize your FIRE plan.
Introduction to MoneyOnFIRE
Lightning-Fast Introduction to FI
The simple path to buying back your time—no matter your income.
Read Time: 6 min
Navigating the Challenges of FIRE
How MoneyOnFire helps you overcome the most common hurdles to financial independence—clear targets, actionable steps, and flexible planning.
Read Time: 6 min
The 4% Rule: What It Gets Right—and What MOF Does Better
Discover the strengths and shortcomings of the 4% rule and how MOF improves on it with personalized, tax-aware, and inflation-aware FIRE planning.
Read Time: 7 min
FI Fundamentals
The Compounding Advantage: Why Starting Early Transforms Your FIRE Journey
Discover how the power of compound interest can dramatically accelerate your path to financial independence—and why every year counts.
Read Time: 8 min
How Much Faster Is the Fastest Path?
Many households are unknowingly giving up 10 to 15 years of freedom—not because they spend too much or don't earn enough, but because they aren't maximizing what they already have.
Read Time: 12 min
The Strategic Role of Taxable Brokerage Accounts in Your FIRE Plan
Why taxable accounts are flexible, tax-smart tools that complement retirement savings—and unlock early-access options for FIRE.
Read Time: 6 min
Understanding 529 Plans
Learn how a 529 Plan can support your child's education and your financial independence goals
Read Time: 7 min
Understanding IRAs: A Key Component of Your FIRE Journey
Explore how Individual Retirement Accounts (IRAs) boost your tax efficiency, investment flexibility, and long-term FIRE success.
Read Time: 5 min
Inflation Makes FI a Moving Target
If you're not adjusting for inflation, your FI number might be wrong.
Read Time: 4 min
Managing Other Goals
Reading your MOF report
The Importance of Rebalancing Your Accounts
Why account balance is the critical first step in your FI journey
Read Time: 5 min
Building Your Emergency Fund in Two Stages
Why MOF recommends a phased approach to financial resilience
Read Time: 4 min
RSUs and FI. Keep or Sell?
How MoneyOnFire manages taxes, risk, and goals with your RSUs
Read Time: 5 min
Understanding Our Approach to Managing Debt
How MOF prioritizes high-interest debt to fast-track your financial independence
Read Time: 4 min
Understanding 401(k) Accounts and Employer Matching
How tax advantages and free money from your employer accelerate your FI journey
Read Time: 5 min
