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
College Series
Part 1: How Much Do You Need for College?
A step-by-step guide to integrating college savings into your financial independence journey.
Read Time: 8 min
Part 2: Accounting for Inflation
Converting today's college costs into the future dollars you'll actually need to save
Read Time: 6 min
Part 3: How do we solve?
Using time and compound growth to reach your inflation-adjusted college savings goal
Read Time: 4 min
Part 4: Where to Save for College
Understanding 529 plans and other college savings strategies
Read Time: 6 min
Part 5: Which 529 Plan?
Picking the best 529 plan
Read Time: 6 min
Part 6: College and Your Financial Independence
Which one do you prioritize?
Read Time: 6 min
Thought Pieces
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
We Love Our Kids—But How Much Do They Delay FI?
Children bring joy and meaning, but they also change your financial independence timeline. Here's how to think about the tradeoffs.
Read Time: 8 min
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 529 Plans
Learn how a 529 Plan can support your child's education and your financial independence goals
Read Time: 7 min
Understanding IRA Accounts
Explore how Individual Retirement Accounts (IRAs) boost your tax efficiency, investment flexibility, and long-term FIRE success.
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
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 401(k) Accounts and Employer Matching
How tax advantages and free money from your employer accelerate your FI journey
Read Time: 5 min
Maths and Mechanics
The Power of Compound Interest
Discover how the power of compound interest can dramatically accelerate your path to financial independence—and why every year counts.
Read Time: 8 min
The Hidden Cost That's Stealing Your Retirement
How a 1% fee difference costs the average investor $590,000 over 30 years—and why most people never notice until it's too late.
Read Time: 10 min
Inflation Makes FI a Moving Target
If you're not adjusting for inflation, your FI number might be wrong.
Read Time: 4 min
Taxes Matter: Tax Strategy & Tax Efficient Accounts
Tax-advantaged accounts like 401(k)s, Roth IRAs, and Traditional IRAs are powerful tools for FIRE—but only if you know how to use them in the right order.
Read Time: 8 min
