Introduction
Summary of the Book Playing with FIRE (Financial Independence Retire Early) by Scott Rieckens Before we proceed, let’s look into a brief overview of the book. Imagine stepping into a world where time no longer slips through your fingers and money becomes a helpful friend rather than a strict boss. In this world, you make choices with purpose, spend your days exploring hobbies, savoring family moments, or traveling widely—without waiting decades to retire. This is the promise of FIRE: Financial Independence Retire Early. It’s not a fantasy for the ultra-rich; it’s a guiding set of principles that anyone can adapt. By carefully reducing needless expenses, investing wisely in simple, low-cost funds, and aligning money with what truly matters, you carve out new freedoms. Each step toward FIRE peels back layers of worry and reveals how your life can look when you place personal values first. Are you ready to open that door? The journey begins now.
Chapter 1: How One Overworked Man’s Commute Sparked a Surprising Money Epiphany.
Imagine driving on a long and familiar highway, heading to a job that pays well but often leaves you feeling strangely empty. Your car radio hums softly as you pass neighborhoods of gleaming homes and fancy restaurants you rarely question. This was the daily reality of Scott Rieckens, who once believed that expensive comfort equaled genuine happiness. Each morning, he left his beachside life in Coronado, California, confident that his high salary and luxurious habits—like owning pricey kitchen gadgets and dining out every night—were worth the grind. The bills were manageable, the savings steady, and the future seemed predictable. Yet deep inside, Scott felt uneasy. His dreams of starting a business or having more free time with family seemed indefinitely postponed. His heart quietly asked: Is this really all there is?
That uneasy feeling intensified one chilly February morning as Scott navigated his familiar commute. Searching for distraction, he tuned into a favorite podcast, The Tim Ferriss Show, and stumbled upon an unexpected guest: Mr. Money Mustache, a Canadian blogger known for retiring at age 30. Scott listened, initially skeptical, then utterly spellbound. This guest spoke about FIRE—Financial Independence Retire Early—as if it were a secret door out of life’s hamster wheel. Instead of working for decades to pay for things that did not truly matter, this new approach promised the luxury of time. A concept began to form in Scott’s mind: maybe the key was not to earn more money for more stuff, but to spend less, save smartly, and enjoy a life aligned with personal values.
By the time Scott pulled into his workplace’s parking lot, he realized a surprising truth. He did not actually need a massive windfall or dramatic career break to afford a meaningful life. He needed a fresh perspective and a radical shift in priorities. Mr. Money Mustache, along with many others embracing FIRE, suggested that an intentional, resourceful approach to money could unlock earlier freedom than the standard retirement timeline. Scott had always assumed he would work well into his sixties. But if he curbed his spending and invested wisely, maybe he could trim decades from that plan. Suddenly, the idea of becoming financially independent—enough money saved and invested to fund life’s needs indefinitely—appeared less like fantasy and more like a reachable goal.
This realization rattled his assumptions about normal American life. Until that morning, he had equated success with paychecks and status symbols. But the quiet dissatisfaction he felt was a sign that he was burning through life’s most valuable resource—his time—just to support habits that brought fleeting pleasure. With FIRE, Scott saw a possible escape route. He imagined no longer having to show up at a desk job simply to cover bloated expenses. Instead, he could choose what to do with his days. That morning’s commute planted the first seed, making him see that breaking free did not require magical luck, only careful choices. Little did Scott know that this single spark of insight would soon alter his family’s path forever, leading them to question everything they believed about money.
Chapter 2: Unraveling the Secret Path Toward Financial Independence That Few Dare Imagine.
At first glance, early retirement might sound like a distant fantasy reserved only for the fabulously wealthy. Most people think you work until you’re gray-haired—maybe in your mid-60s—because that’s the safe and accepted norm. Yet the FIRE community upends that expectation completely. They suggest that if you intensely focus on reducing expenses and strategically invest your savings, you can amass enough wealth to sustain yourself and your family far earlier than traditional rules suggest. It’s not about winning the lottery or becoming a millionaire overnight. Instead, FIRE teaches that careful decisions on housing, transportation, food, and other major costs can dramatically speed your journey. Each dollar saved and invested today potentially buys back years of your future, allowing you to retire earlier or work only on projects that truly matter.
But do not be fooled into thinking FIRE is simply about not working. Instead, financial independence is about gaining the freedom to say no to unrewarding tasks and yes to activities that fill your days with meaning. Some FIRE achievers still choose to work, but on their own terms—pursuing hobbies, creative ventures, charities, or flexible careers. Others travel or spend more time with family. The key is not giving up productivity, but rather channeling energy toward what you value most. This concept challenges the mainstream expectation that a life’s worth is measured by paychecks and possessions. FIRE reminds us that experiences, relationships, and passions deserve their place at the center of our lives, not squeezed into brief evenings and weekends after long hours spent earning money to buy unnecessary luxuries.
When Scott discovered Mr. Money Mustache’s story, he realized that many people—teachers, engineers, creatives, even lawyers—had quietly walked this less-trodden path. They shared their methods online, offering calculators, spreadsheets, and supportive forums. It was not a secret club, but it also wasn’t widely known. Many who embrace FIRE reject the consumerist pressure that says success is measured by big homes, new cars, and name-brand gadgets. Instead, they see these items as weights pulling you deeper into a cycle of endless earning. By breaking free of these cultural expectations, FIRE enthusiasts carve a path toward independence sooner. They learn that when money no longer dictates your daily schedule, you can shape life in more meaningful ways, stepping off the hamster wheel and truly beginning to live.
For Scott, this idea was both thrilling and intimidating. He worked as a creative director, earned a good salary, and enjoyed pleasant surroundings. Yet he often felt trapped. How much was he spending on conveniences he barely noticed or appreciated? How often was he handing over his time just to maintain appearances and keep pace with neighbors? As he dug deeper into FIRE principles, he realized that financial independence was not a mysterious formula. It was built from small decisions that add up—like choosing a reliable used car over an expensive luxury model or finding a city with a lower cost of living that still met his family’s needs. To move forward, Scott had to commit to changing his behavior and reshaping his outlook on what really matters.
Chapter 3: Breaking Free from Consumer Culture to Reclaim Your Precious Personal Freedom.
Consumer culture constantly whispers that buying more will make you happier. The advertisements, social media influencers, and billboards tell you that owning a fancy blender, dining at upscale restaurants every night, or living in the trendiest neighborhood proves your worth. Scott and his wife Taylor believed that these comforts were normal, even necessary. With a combined annual income over $140,000 after taxes, they felt confident splurging on fine dining, kitchen gadgets, and an expensive coastal lifestyle. Yet as their expenses piled up, they saved only around $10,000 a year—far less than they needed to feel secure. Deep down, they suspected that these luxuries did not reflect their deepest values. Rather than feeling fulfilled, they felt nervous and stuck, wondering how they’d manage future goals like homeownership or their daughter’s education.
Realizing that their spending was out of sync with their dreams, Scott and Taylor began examining every aspect of their financial lives. The numbers were startling. It became clear that these so-called necessities—like their prized Vitamix blender or nightly restaurant outings—were masking something bigger. They represented the cost of postponing true freedom. Without a major change, Scott feared working tirelessly for decades, sacrificing his entrepreneurial ambitions, just to keep up with these expenses. The FIRE mindset told them that money could buy time if they used it wisely, but in their current state, money was buying illusions of comfort rather than long-term happiness. This disconnect pushed them to confront how their spending habits locked them into a life path that did not feel genuinely enriching.
To break free, the couple started by questioning their environment. They realized Coronado, with its high living costs, was not a mandatory backdrop for their happiness. They needed a place that offered a fulfilling lifestyle at a fraction of the cost. They learned that by rethinking housing, cutting down on car expenses, and adjusting how they ate, they could drastically lower their annual spending. If they reduced their yearly expenses from around $100,000-plus down to $60,000, they could reach financial independence in roughly a decade. Instead of waiting until their mid-60s, they might reclaim decades of their lives. This radical shift in perspective gave them a sense of control. They understood that less spending did not mean less living—just a more thoughtful approach to what truly mattered.
As they considered these changes, Scott and Taylor recognized that their journey would not be about deprivation or living in dull misery. It would be about choosing what counted. They imagined weekends hiking, playing with their daughter, and exploring new hobbies instead of browsing luxury shops or obsessing over takeout menus. They pictured a future where money, once the boss, became a helpful tool. This required mindful cuts and an adventurous spirit. The allure of consumer culture would still surround them, but now they had an alternative vision: a path toward meaningful freedom. Each step away from unnecessary spending was a step toward greater control of their time. This was the heart of FIRE—intentionally rearranging priorities so that life’s richest experiences could flourish with fewer financial chains.
Chapter 4: Transforming Daily Habits by Cutting Housing, Transportation, and Food Costs Dramatically.
One of the most effective strategies in FIRE is to tackle your largest expenses first. Think of it like a tree with thick branches: trimming the biggest branches—housing, transportation, food—has a larger impact than fussing over tiny twigs like cable bills or coffee habits. Scott and Taylor embraced this concept as they searched for a new hometown. They wanted a place that supported outdoor fun, decent schools, and family-friendly living—yet didn’t cost a fortune. After careful research and travel, Bend, Oregon stood out. Surrounded by mountains, trails, and a welcoming community, Bend offered three-bedroom houses at far more reasonable prices than Coronado. Moving meant leaving behind glamorous beaches, but it also meant slashing their housing costs dramatically, which would accelerate their journey toward financial independence.
Next came transportation. Many American households consider two cars normal, but FIRE thinking challenges that norm. Could Scott bike to work instead of driving every day? Could they function as a one-car family? Reducing down to one vehicle might save thousands each year in insurance, gas, and maintenance. When choosing the car itself, they learned another valuable FIRE tip: A reliable, used vehicle, bought at a modest price, often retains its value better than a fancy new model that loses worth the moment it leaves the dealership. Although they struggled to find a suitable $5,000 car that could handle Bend’s sometimes tricky terrains, they found a used Honda CR-V for $7,500—still far cheaper than leasing a new car and more aligned with their frugal goals.
Food spending also has a sneaky way of inflating budgets. Dining out may be fun, but doing it too often drains resources without truly boosting happiness. Scott and Taylor examined how easily they had slipped into a habit of frequent restaurant meals, sipping pricey drinks, and neglecting home cooking. By planning simpler meals at home, batch cooking, and learning to enjoy fresh ingredients rather than packaged treats, they could cut their monthly food bills significantly. Instead of expensive steaks every week, they might savor home-grilled meals on special occasions. They did not need to ban all indulgences—just to be mindful about where each dollar went. It might feel challenging at first, but over time, these changes would help them save more and invest in a freer future.
By combining these adjustments, they effectively trimmed away the largest parts of their spending tree. Each decision built upon the last, gradually creating a more sustainable financial lifestyle. The beauty of focusing on housing, transportation, and food was that once under control, smaller savings naturally followed. They discovered the joy of finding a perfect balance: living in a lovely town, owning a dependable vehicle, and enjoying healthy, home-cooked meals without constantly bleeding money. This shift demonstrated that FIRE is not about suffering; it’s about reshaping daily patterns to support long-term freedom. With each expense lowered, they moved one step closer to saving at least half of their income. And with every saved dollar invested wisely, they inched closer to a life where work was a choice, not an obligation.
Chapter 5: Discovering the Power of Simple Investments, Low-Fee Funds, and Market Wisdom.
Reducing spending is only half of the FIRE equation. The other half involves growing your savings through smart investments. It might sound complicated, but one of the simplest FIRE strategies is investing in low-cost index funds—essentially baskets of stocks designed to track the whole market’s performance. Since markets generally rise over time, putting money into these broad funds is like planting seeds that steadily grow. Index funds avoid expensive management fees and don’t rely on a single stock’s performance. Instead, they spread your money widely, providing stability and long-term growth. Even famed investor Warren Buffett recommends them, praising their reliability compared to paying an expert money manager who might charge hefty fees without consistently beating the broader market’s average return.
When Scott and Taylor first dipped their toes into investing, they felt nervous. The stock market can fluctuate, and no one enjoys imagining their hard-earned savings shrinking in a downturn. But FIRE thinkers know it’s about the long game. By consistently investing over years, you smooth out market bumps. If you save 25 times your annual expenses, then withdraw around 4% each year, you maintain a steady income while preserving your principal. This so-called 4% rule, supported by research, suggests that even during rough market patches, your savings should hold up over decades. This allowed Scott and Taylor to picture a future living off the growth of their investments, without needing traditional jobs to keep money flowing.
Of course, index funds are not the only option. Diversifying can include real estate rentals, small side businesses, or other low-fee investment opportunities. Scott and Taylor considered a mix: the bulk in index funds, some in real estate for steady rental income, and a portion in entrepreneurial projects that excited them. This three-part approach reduced their anxiety and gave them room to learn and adjust. Over time, as their knowledge grew, they could optimize their investments further. What mattered most was that every month, the money they saved instead of spending on unnecessary luxuries now worked for them. Instead of rusting away, their savings could blossom into a financial buffer strong enough to set them free.
Embracing these investment ideas shifted their perspective on wealth. Rather than chasing income solely to spend, they learned to channel earnings into growth. Slowly but surely, their balance sheets reflected a newfound sense of purpose. Every dollar invested represented a future day spent doing something meaningful rather than checking a work schedule. With careful choices, their finances became a machine that produced more freedom each year. The combination of aggressive saving, intelligent investing, and a willingness to trust the process unlocked doors they once thought permanently sealed. Investing didn’t need to be complicated or scary. By following simple principles, ignoring flashy stock tips, and committing to a long-term view, they could ensure that their money multiplied while they focused on what truly enriched their lives.
Chapter 6: Talking the FIRE Talk with Loved Ones and Strengthening Bonds Through Shared Values.
Adopting the FIRE lifestyle often requires honest conversations with your closest companions. Convincing yourself to live frugally is one step, but persuading a partner or family member who enjoys life’s comforts can be trickier. Scott hesitated before bringing up his discovery to Taylor. He feared she might think he was chasing another unrealistic idea or trying to deny her the luxuries she had earned. After all, Taylor was the bigger breadwinner, and reducing expenses could feel like giving up the rewards of her hard work. How could they find common ground without sparking resentment or conflict?
Scott found a gentle approach: asking Taylor to list the ten things that made her happiest each week. He did the same exercise privately, and when they compared results, the revelations were profound. Neither listed fancy dinners, posh neighbors, or costly gadgets. Instead, they cherished simple pleasures—spending time with their daughter, enjoying nature, and exploring creative pursuits. These were all attainable without drowning in expenses. By focusing on shared values first, they saw that their current spending did not align with what they truly loved. It wasn’t about forcing frugality; it was about noticing that their money and time weren’t going where their hearts pointed. This value alignment smoothed the path to discussing practical steps toward FIRE.
Once they recognized their similar values, talking about cutting costs and reorganizing financial priorities felt more natural. They saw that building a life around their values—rather than around brand names and expensive pastimes—could actually strengthen their bond. Instead of feeling restricted, Taylor understood that FIRE would let them spend more time as a family, potentially explore new hobbies, and live less stressful lives. Communication allowed them to approach the FIRE journey as a team effort. Instead of a one-sided push for thriftiness, it became a shared adventure toward a more meaningful future. This understanding helped them compromise when making tough financial decisions, ensuring both voices were heard and respected.
The lessons learned in these conversations can help anyone introducing FIRE to skeptical friends or family members. Start by connecting on a deeper level—what truly makes you and your loved ones happy? Show that FIRE is not about sacrifice, but about reorienting life toward simpler joys. By pointing out that money saved today buys freedom tomorrow, you can highlight how FIRE supports long-held dreams. Even if others remain uncertain or prefer conventional retirement paths, you can proceed confidently with those who share your vision. Honest communication and mutual understanding bring people closer. As Scott and Taylor discovered, embracing FIRE together turned a tricky conversation into a moment of unity, reinforcing trust and setting a harmonious tone for the changes ahead.
Chapter 7: Immersing into a Vibrant Community of Mustachians, Retreats, and Creative Money-Savers.
Embarking on the FIRE journey can sometimes feel lonely. Many people treat money as a taboo topic, more embarrassing than discussing politics or even death. This silence isolates us, making it tough to find guidance, encouragement, or inspiration. Yet when Scott and Taylor stepped into the FIRE world, they found a thriving community eager to share tips, support, and success stories. Online forums, blogs, podcasts, and meetups connected them with people who understood their goals. Rather than facing discouragement or blank stares, they were welcomed with open arms by others who had either achieved or were pursuing financial independence. These like-minded individuals reminded them they weren’t odd or foolish—they were forging a path that many admired.
One standout experience was attending a Camp Mustache retreat. Taylor worried this event might feel cult-like or awkward, envisioning a circle of people chanting odd mantras. Instead, she found a diverse crowd spanning different ages, backgrounds, and careers. Some had already reached financial independence and were happily running passion projects. Others were just starting their journeys, excited to soak up wisdom. Rather than promoting a strict formula, these gatherings celebrated freedom of choice. Attendees swapped stories, discussed clever money-saving hacks, and shared investment tips. They laughed, encouraged one another, and showed that FIRE didn’t belong to a single type of person—it was open to anyone ready to rethink their priorities.
Scott’s documentary project, inspired by his FIRE discovery, attracted the attention of Travis Shakespeare, a television executive who also embraced FIRE. Suddenly, Scott’s vision to film their journey gained professional backing. The camera crew followed them, capturing honest struggles and breakthroughs. This filmmaking adventure introduced Scott and Taylor to influential voices, including Mr. Money Mustache himself. Each encounter revealed new angles: some focused on minimalist living, others on geoarbitrage (moving to cheaper locations), and still others on unconventional hobbies that saved both money and mental energy. Through these connections, the couple learned that the FIRE community was a living library of innovation, a place where people eagerly helped each other experiment and refine their tactics.
The lesson is clear: if you’re considering FIRE, you don’t have to go it alone. With so many digital tools available, you can join anonymous forums, ask questions, and get real feedback. Attending a retreat or meetup can spark friendships and collaborations, reinforcing that you are part of a movement redefining success. The open sharing of ideas makes personal finance less intimidating and more collaborative. Everyone brings unique perspectives—from culinary frugality tips to investing strategies—and this diversity makes the community richer. Instead of seeing money talk as shameful or boring, these gatherings celebrate it as a key to a better life. The community ensures that each journey, including yours, can be supported by understanding peers who have walked or are walking a similar path.
Chapter 8: Embracing Flexibility, Debunking Myths, and Making FIRE Work Regardless of Your Income.
Some people assume FIRE is only possible if you already earn a six-figure salary. They imagine it as a luxury for well-paid professionals who can easily save large sums. But that’s a myth. FIRE is about the gap between what you earn and what you spend. Even a modest income can unlock financial independence if you reduce expenses enough and invest wisely. Consider Kaylin and Kyle, who earned less than $50,000 combined. By trimming their yearly expenses to $32,000, they set themselves on track for financial independence within six years. It’s not about becoming rich overnight; it’s about making choices that let you save aggressively. Whether you take five years or thirty, FIRE is a journey of aligning what you spend and save with what truly brings joy.
Another misconception is that FIRE demands extreme austerity. While some FIRE enthusiasts push minimalism to the limit—biking everywhere, never eating out, living in tiny apartments—you don’t have to copy these extremes. FIRE is flexible. You might choose a moderate path that still includes occasional treats or small luxuries that matter deeply to you. The key is that every expense should pass a simple test: does it support my happiness and future freedom, or is it just mindless spending? If skipping all holiday gifts makes you miserable, find a middle ground. Perhaps you give thoughtful, lower-cost presents or agree with loved ones on simpler celebrations. The goal is never to rob life of joy—it’s to ensure your money aligns with your values, no matter your starting point.
Scott and Taylor learned about flexibility the hard way one Christmas in Iowa. They had slashed expenses so aggressively that they forgot to budget for holiday gifts. Their tiny remaining budget made it impossible to shop like before. At first, this felt restrictive, even embarrassing. But after reflecting, they realized FIRE should serve their happiness, not crush it. They adapted. For their daughter, they found secondhand books that delighted her just as much as pricey toys. For nieces, they offered thoughtful new gifts. For other friends and family, they chose not to give presents, trusting that love and understanding outweighed the need for lavish spending. This small adjustment proved that FIRE was not rigid—it could bend to keep their life balanced and satisfying.
Realizing that FIRE could fit any lifestyle or income brought Scott and Taylor peace of mind. They weren’t forced into uncomfortable extremes; they merely had to remain intentional. Over time, they understood that even if circumstances changed, they could tweak their plan. If their investments fell short, they could adjust spending. If they wanted to retire sooner, they could save more. Nothing was set in stone. This flexibility is a powerful feature of FIRE: it’s a strategy, not a strict prescription. Each person can mold it to their own family dynamics, career ambitions, or personal quirks. By embracing the flexibility, debunking myths, and staying honest with themselves, Scott and Taylor proved that anyone, anywhere, can harness FIRE’s principles to craft a more purpose-driven life.
Chapter 9: Living with Intention, Celebrating Small Victories, and Securing a Future of Endless Choice.
As Scott and Taylor settled into Bend, Oregon, they saw real progress. Their expenses stabilized around $60,000 a year, and their projected retirement date crept closer—a mere nine years away, not several decades. This timeline shift felt empowering. Instead of drifting through life, they had a clear goal: to reach financial independence and choose how they spent their days. Every small victory—reducing a grocery bill, finding a cheaper home solution, discovering a satisfying yet low-cost hobby—reminded them that they were architects of their own destiny. Their life no longer revolved around work schedules or endless expenses. Each dollar saved was a building block for a more flexible future, a subtle but powerful transformation that proved how far they had come.
Living with intention meant no longer blindly accepting cultural scripts about success. Instead of feeling pressured to buy seasonal decor or chase every technology upgrade, they asked themselves: does this reflect our values and help us toward our dreams? If not, they graciously let it go. By breaking free of consumer traps, they recovered the freedom to think creatively about their lives. They considered new projects, from documenting FIRE stories to volunteering in community programs. They realized that independence gave them the chance to do meaningful work without worrying whether it paid well. Time became their greatest luxury—time to play with their daughter, learn new skills, and forge deeper connections with friends. This was the essence of FIRE: opening doors to choices once blocked by financial burdens.
They also learned that the FIRE journey was not a straight, flawless line. Some months required adjustments, while unexpected events could shift their goals. Yet the fundamental principles—spend less, invest wisely, focus on what matters—served as a compass, guiding them no matter the terrain. Over time, these principles became second nature. They found comfort in knowing that their money would not run out because it was thoughtfully managed. This confidence freed their minds from constant worry, enabling them to think bigger, dream bolder, and make decisions based on passion rather than necessity. The future looked open, a field of possibilities rather than a narrow road.
Ultimately, pursuing FIRE taught Scott and Taylor that wealth is not measured solely in dollar amounts but in the richness of experiences and the freedom to choose. It’s about retiring the idea that more stuff equals more happiness and embracing a life shaped by your values. By claiming control over their finances, they claimed control over their time, their relationships, and their inner peace. Although their journey was still ongoing, they had already gained something priceless: the assurance that the years ahead belonged to them, not to a paycheck or a borrowed lifestyle. They stood at the edge of a future where work could be a passion, not a necessity. With FIRE principles firmly in place, they anticipated a lifetime of meaningful decisions and personal growth.
All about the Book
Explore financial independence and early retirement with ‘Playing with FIRE’ by Scott Rieckens. Discover innovative strategies to maximize savings, invest wisely, and create a life of freedom and purpose through financial literacy.
Scott Rieckens is a passionate advocate for financial independence, inspiring readers to rethink their finances and live boldly by embracing sustainable living and mindful spending.
Financial planners, Personal finance bloggers, Retirement coaches, Investors, Business professionals
Budgeting, Investing, Minimalism, Traveling, DIY projects
Overspending and consumer debt, Lack of financial literacy, Work-life balance, Retirement preparedness
Financial independence isn’t just about money; it’s about the freedom to live life on your terms.
Mr. Money Mustache, Ramit Sethi, The Tim Ferriss Show
Best Personal Finance Book of the Year, Readers’ Choice Award, Top 10 Bestselling Financial Books
1. What steps can I take to achieve financial independence? #2. How can I budget effectively for my goals? #3. What is the importance of tracking my expenses? #4. How does reducing my lifestyle impact my savings? #5. Can passive income streams replace my full-time job? #6. What investments should I consider for early retirement? #7. How do I calculate my FIRE number accurately? #8. What role does frugality play in financial freedom? #9. How can community support enhance my FIRE journey? #10. What are effective strategies for debt elimination? #11. How can I optimize my current income sources? #12. What are the risks of retiring early financially? #13. How do mindset shifts contribute to financial success? #14. Why is it important to define my values? #15. How can I cultivate a minimalist lifestyle? #16. What tools can assist with financial planning? #17. How can I stay motivated on my FIRE path? #18. What lifestyle changes support sustainable financial habits? #19. How does investing in index funds benefit me? #20. What should I know about taxes in retirement?
Financial Independence, Retire Early, FIRE movement, Personal Finance, Investing, Early Retirement, Money Management, Scott Rieckens, Financial Freedom, Budgeting, Passive Income, Wealth Building
https://www.amazon.com Playing-FIRE-Financial-Independence-Retire-ebook/dp/B07WQYBLPT
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