Lisa achieved financial independence and retired at 52 with a portfolio of $1.2 million. Her 25-year journey from a starting salary of $32,000 to early retirement illustrates the power of the FIRE movement’s core principles.
The Journey
Lisa saved 40-50% of her income throughout her career, increasing her savings rate as her salary grew to $85,000. She invested in a three-fund portfolio, maxed out every tax-advantaged account available, and built rental income through two investment properties. Her portfolio grew at an average of 9.1% annually.
Life After Retirement
Lisa withdraws 3.5% annually ($42,000) from her portfolio, supplemented by $18,000 in rental income. She volunteers, travels, and pursues hobbies. Her advice: calculate your FI number early, automate everything, and remember that the freedom is worth the sacrifice.
