Profile: 25-year-old pursuing Financial Independence, Retire Early

Try this scenario

Financial Settings

• Current Savings: $10,000
• Interest Rate: 6% (aggressive growth investing)

Timeline

• Start Year: 2026
• Current Age: 25
• Early Retirement Age: 45
• Retirement Age: 65
• Life Expectancy: 85

Contributions

• “Aggressive Savings”: $3,000/month, Pre-retirement (age 25–45)

Withdrawals

• “Early Retirement Living”: $2,500/month, Early retirement (age 45–65)
• “Standard Retirement”: $3,000/month, Retirement (age 65–85)

Expected outcome

A high savings rate builds a large nest egg. If early-retirement spending stays low, the portfolio may continue growing into traditional retirement.