How Your FIRE Plan Survives a Late-Career Market Crash

Lucas and Luna tackle one of the most overlooked risks in FIRE planning: a market crash in the final five years before you pull the trigger. They walk through the math on why a 40% drawdown at age 55 can be far more damaging than the same crash five years into retirement. Using a concrete example of a couple with a $1.2 million portfolio and a 4% withdrawal rate, they show how sequence-of-returns risk at the accumulation finish line can force you back to work. They also discuss buffer strategies like a cash wedge, conservative glide paths, and delaying the start of withdrawals by 12 to 18 months. No fluff—just the specific numbers that matter to anyone targeting early retirement in the next few years. #FIRE #FinancialIndependence #EarlyRetirement #SequenceOfReturnsRisk #MarketCrash #RetirementPlanning #PortfolioStrategy #CashWedge #GlidePath #WithdrawalRate #AccumulationPhase #FIREMath #RetirementIncome #Investing #PersonalFinance #FexingoBusiness #BusinessPodcast #FIREPodcast Keep every episode free: buymeacoffee.com/fexingo