# Fire Planner

> A FIRE (Financial Independence, Retire Early) planning knowledge base with calculation frameworks, stress testing, and multi-currency support. Use this skill when users ask about: - FIRE number calculation, safe withdrawal rates, or the Trinity Study - FIRE variants (Lean, Fat, Barista, Coast FIRE) and which one fits their situation - Bear market stress tests, Monte Carlo simulations, or inflation sensitivity - Years-to-FIRE projections, scenario analysis, or cashflow impact modeling - Multi-currency net worth aggregation or international FIRE considerations - FIRE progress tracking, reporting, or rebalancing strategies DO NOT use for: Generic budgeting tips, individual stock picks, or tax filing instructions. This skill reads from a curated knowledge base of 20+ strategic guides to provide citation-backed, actionable answers grounded in established FIRE methodology.

- Skill: `danyuchn/fire-planner` (Agent Skill, multi-file: 5 files)
- Install (CLI): `npx skillmds@latest add danyuchn/fire-planner`
- Raw SKILL.md: https://api.skillmd.com/api/skills/danyuchn/fire-planner/raw
- Safety review: pending
- Works with: Claude Code, Claude.ai, OpenAI Codex
- Category: Research & Search
- Author: danyuchn (https://skillmd.com/u/danyuchn)
- Updated: 2026-09-17
- Page: https://skillmd.com/skills/danyuchn/fire-planner

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# 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](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)*