Chapter 2 of 4
The FIRE Impact
Sam's FIRE number is $2.1M at a 4% withdrawal rate. He's at $410k. The sabbatical pushes his FIRE date from age 51 to 53.4. He runs the Monte Carlo simulation — and the result forces him to reconsider what "retiring at 51" actually means.
Key Insight
The sabbatical costs Sam 2.4 years of FIRE date. But the Monte Carlo shows his 51-year plan only had a 71% success rate anyway. The sabbatical is not the problem — his withdrawal rate is.
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