#early-retirement

With the enhanced credits expired, 2027 Marketplace coverage has a hard cutoff at 400% of poverty. We worked out the cliff by household size, what each extra dollar of income costs in premium below it (10 to 18 cents), and why an overshoot now means repaying the whole advance credit.

$1.95M for US retirement vs $1.0M for Lisbon. Same lifestyle, half the savings target. The COL × healthcare double-discount that makes 'retire abroad' the highest-leverage FIRE move tech workers don't take.

A 25-year-old earning $80K, spending $40K and investing $40K a year. The rule of thumb says 17 years. Our FIRE calculator's 2,000 paths put the median at 43, and only 61% of retirees keep money to 90.