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How Much Is Enough to Retire Early (Fire) in San Francisco?

Welcome to the second part of the series where I am trying to identify how much is “enough” to retire early in San Francisco. Two years ago I had determined that my “Enough Number” was $4,000,000. This number always assumed I would leave San Francisco. While

Lots of assumptions but I still feel good at saying$5,654,000 would be enough for my family to fully Avocado FIRE in San Francisco without needing to earn a single additional dollar of income. Even right now, while I am semi-FIRE I am spending my time on things that still earn some level of income; paid subscribers here on substack, 1:1 FIRE coaching, affiliate commissions, and light consulting. You work a lower paid job that is just enough to cover your expenses (or spend all your earnings) while letting your existing portfolio grow to hit your FIRE number purely through growth.

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