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June 17, 2025 65 mins

The math behind how quickly savings and investments can achieve financial independence.

Trishul re-creates the spreadsheet he used to calculate his pursuit of FIRE twenty years ago. He begins with simple time value of money calculations and walks through how increasing savings rates and different investment returns dramatically impact your path to financial freedom. Aaron brings the math to life with a real-world example: a couple maxing out their 401(k)s over two decades. Together, they show just how attainable it is to build a multi-million dollar nest egg with disciplined investing and long-term planning.

Episode References

MMS #147. After FIRE: Why this Wealth Manager won’t retire.
MMS #144. What Financial Independence in Your 40's Really Looks Like
MMS #143. FIRE with Kids? Here's How to Make It Work!
MMS #65. The most important financial advice for someone in their 20's.
MMS #56 The most important rule in finance.
MMS #5. The 4% rule is a good start, but betting your life on it can burn you.
MMS #1. What's the big deal about FIRE?
Trishul's Super Secret FIRE Calculator
Rule of 72
Einstein Quote
Financial Independence Retire Early Website
Trinity Study
Determining Withdrawal Rates Using Historical Data
The Shockingly Simple Math Behind Early Retirement

Aaron Agte and Trishul Patel go beyond traditional finance questions to help you explore how to use your money to achieve the freedom you want in life. Aaron is a Bay Area Financial Planner with GraystoneAdvisor.com, and Trishul is an East Coast Wealth Manager (InvestingForever.com). MindMoneySpectrum.com and YouTube.

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