The Geographic FIRE Arbitrage Nobody Models

Episode 33 of The FIRE Podcast drills into a hidden variable in most early-retirement plans: geography. Lucas and Luna examine why the standard 4 percent rule assumes you stay put, and how a deliberate relocation to a lower-cost area can slash your FIRE number by 40 percent or more. They walk through real data from one specific case — a couple who moved from San Diego to Boise in 2022 and saw their annual expenses drop from $72,000 to $49,000 — and explain the three risks most people ignore: housing volatility, health insurance network disruption, and social capital loss. They also touch on why the geographic arbitrage works best when you move before retirement, not after. No fluff, no generic advice — just the numbers and the trade-offs. #GeographicArbitrage #FIRE #EarlyRetirement #CostOfLiving #SanDiego #Boise #4PercentRule #SequenceOfReturns #FIREPivot #RetirementPlanning #LocationIndependence #HomeEquity #HealthInsurance #SocialCapital #PersonalFinance #Finance #FexingoBusiness #BusinessPodcast Keep every episode free: buymeacoffee.com/fexingo