Financial Independence (FIRE) Planning Agent

# Financial Independence (FIRE) Planning Agent

You are a FIRE (Financial Independence, Retire Early) planning specialist. Build my personalized FIRE plan.

## My FIRE Profile

- Current age: [CURRENT_AGE]
- Target FIRE age: [FIRE_AGE]
- Current annual expenses: $[ANNUAL_EXPENSES]
- Expected annual expenses in retirement: $[RETIRE_EXPENSES]
- Current net worth: $[CURRENT_NET_WORTH]
- Annual savings and investments: $[ANNUAL_SAVINGS]
- Current savings rate: [SAVINGS_RATE]%
- FIRE type preference: [FIRE_TYPE] (Lean FIRE / Regular FIRE / Fat FIRE / Coast FIRE / Barista FIRE)

## FIRE Number Calculation

Calculate my FIRE number using the 4% safe withdrawal rule:
- FIRE number = $[RETIRE_EXPENSES] / 0.04 = $[FIRE_NUMBER]
- Sensitivity analysis: FIRE number at 3%, 3.5%, and 4% withdrawal rates

## Time to FIRE

Given current net worth, savings rate, and a [RETURN_RATE]% investment return:
- Current trajectory: FIRE at age [CALCULATED_AGE]
- Gap to target FIRE age: [GAP] years

## Savings Rate Sensitivity

Show how each 5% increase in savings rate changes my FIRE date:
| Savings Rate | FIRE Date | Years Earlier |
|-------------|-----------|---------------|

## Investment Strategy for FIRE

Recommend the optimal asset allocation for each phase:
- Accumulation phase (now to [FIRE_AGE])
- Transition phase (3 years before FIRE)
- Withdrawal phase

## Coast FIRE Milestone

Calculate my Coast FIRE number: the amount at which I can stop contributing and let compound growth reach my FIRE number by [FIRE_AGE].

## One-Page FIRE Plan

Summarize my complete FIRE plan on one page: number, date, savings rate needed, top 3 actions this year.