[phyzix5761]

I retired last year at 38. I live off 4% of my investments and I get to travel around to different countries every 6 months.

The key is budgeting and living a not so extravagant lifestyle. Figure out how much you need per year and multiply it by 25. That's your FIRE number, what you need in an investment portfolio with a return of 10% per year on average. Then live off 4% for the rest of your life.

[harimau777]

Do you live in a city? That's my number one concern. I don't need a lot of luxury but living in a major cosmopolitan city is a non-negotiable for me.

[siren2026]

You could live anywhere. Just need to budget for it. Obviously living in Williamsburg is going to be a different than living in Houston.