Fire Planner

FIRE Planner Skill

Description

This skill provides access to a structured knowledge base for Financial Independence, Retire Early (FIRE) planning. It covers core formulas (FIRE Number, SWR, Coast Number), variant strategies (Lean/Fat/Barista/Coast), risk analysis (bear markets, inflation, Monte Carlo), international considerations (multi-currency, tax-efficient withdrawals), and progress tracking SOPs.

Resources

The knowledge base contains 20+ guides organized by domain:

• Core Concepts: core-concepts/ (FIRE Number, SWR, Trinity Study, variants, lifecycle stages)
• Planning: planning/ (projections, scenario analysis, cashflow, Barista FIRE)
• Risk Analysis: risk-analysis/ (bear market stress test, inflation, Monte Carlo)
• Asset Allocation: asset-allocation/ (stage-based allocation, multi-currency, rebalancing)
• International: international/ (Asia FIRE, tax-efficient withdrawal, currency risk)
• Tracking: tracking/ (progress tracking SOP, reporting guide)
• Reference Scripts: reference-scripts/ (Python calculation examples)

See RESOURCES_INDEX.md for the complete file listing.

Instructions

1. Analyze User Intent: Determine whether the user needs a formula, a framework comparison, a stress test interpretation, or a planning workflow.
2. Locate & Read:
   • Identify the relevant subfolder (e.g., "How do I calculate my FIRE number?" -> core-concepts/fire-number-calculation.md).
   • Always read the relevant file contents before answering. Do not invent formulas or percentages.
3. Handle Edge Cases:
   • If multiple files are relevant, read all and synthesize insights.
   • If no exact match exists, check the broader category (e.g., core-concepts/ for general questions).
   • If the question is ambiguous, ask for specifics: "Are you asking about traditional FIRE or Barista FIRE?"
   • If a file cannot be found, suggest the closest alternative from RESOURCES_INDEX.md.
4. Synthesize with Citations:
   • Provide a specific, actionable answer based only on the file content.
   • MANDATORY: At the end of your response, cite the specific file(s) you referenced.
     • Example: (Source: core-concepts/fire-number-calculation.md)

Example Usage

• User: "How do I calculate my FIRE number?"

  • Action: Read core-concepts/fire-number-calculation.md.
  • Response: Walk through the formula FIRE Number = Annual Expenses / SWR with concrete examples and the multi-currency table.
  • Citation: (Source: core-concepts/fire-number-calculation.md)

• User: "Should I aim for Barista FIRE or full FIRE?"

  • Action: Read core-concepts/fire-variants-guide.md AND planning/barista-fire-planning.md.
  • Response: Compare the two variants using the decision framework and highlight the coverage ratio formula.
  • Citation: (Sources: core-concepts/fire-variants-guide.md, planning/barista-fire-planning.md)

• User: "What happens to my plan if there's a bear market right after I retire?"

  • Action: Read risk-analysis/bear-market-stress-test.md AND core-concepts/safe-withdrawal-rate.md.
  • Response: Explain sequence-of-returns risk and the guardrails strategy for adjusting withdrawals.
  • Citation: (Sources: risk-analysis/bear-market-stress-test.md, core-concepts/safe-withdrawal-rate.md)

• User: "I earn in TWD but want to retire in multiple countries. How do I track net worth?"

  • Action: Read asset-allocation/multi-currency-net-worth.md AND international/currency-risk-management.md.
  • Response: Explain the base-currency conversion approach and hedging considerations.
  • Citation: (Sources: asset-allocation/multi-currency-net-worth.md, international/currency-risk-management.md)