The FIRE Geographic Arbitrage Calculator You Haven't Run

Lucas and Luna break down the overlooked math behind geographic arbitrage for FIRE seekers. They walk through a concrete case: moving from San Francisco to Boise, Idaho, cuts your cost of living by roughly 40 percent, but the tax implications, healthcare access, and social trade-offs are rarely modeled. Using specific numbers from the Bureau of Economic Analysis and real estate data, they show how a $1.5 million portfolio stretches differently in high-cost versus low-cost cities — and why the standard 4 percent rule fails when your spending drops by $18,000 a year after relocation. The episode also covers the hidden costs: state income tax cliffs, home maintenance surprises, and the psychological toll of leaving your professional network. By the end, listeners get a practical checklist for running their own geographic arbitrage scenario, including how to backtest rental yields and property tax caps in target cities. No hype, just the math. #FIRE #FinancialIndependence #EarlyRetirement #GeographicArbitrage #CostOfLiving #Boise #SanFrancisco #RealEstate #TaxPlanning #HealthcareCosts #SequenceOfReturns #PortfolioWithdrawal #LifestyleDesign #PersonalFinance #Finance #FexingoBusiness #BusinessPodcast #FIREPodcast Keep every episode free: buymeacoffee.com/fexingo