College costs are rising—and they hit right before you FIRE
Paying for college is one of the biggest financial goals families face. But here's what makes it uniquely tricky:
- It's expensive—and growing 5–6% every year
- Balancing with FIRE is challenging
- It often hits right before or around your FIRE date
You can't afford to ignore it—and you can't let it blow up your FIRE plan.
Solving for College and FIRE
We built MOF to take the stress and guesswork out of funding college. Here's how it works:
Estimates future costs accurately
MOF projects tuition costs based on your child's age, public vs private school preference, and education inflation.
Accounts for what you've already saved
Whether you've got $5K or $50K in a 529, MOF factors it in before suggesting any new contributions.
Calculates monthly/annual contributions to fill the gap
MOF reverse-engineers exactly what you need to contribute monthly to fully fund college by the time your child enrolls.
Weaves it into your FIRE plan automatically
Instead of handling college separately, MOF interleaves it with your other financial priorities—retirement accounts, emergency funds, debt, and more.
Optimizes use of 529 plans
MOF recommends how much and when to contribute to tax-advantaged 529 accounts for maximum benefit.