{"id":3731,"date":"2019-12-21T19:00:00","date_gmt":"2019-12-21T19:00:00","guid":{"rendered":"https:\/\/www.rbcwealthmanagement.com\/en-us\/insightslearning-from-the-fire-movement-and-retirement-planning\/"},"modified":"2023-11-01T11:04:48","modified_gmt":"2023-11-01T15:04:48","slug":"learning-from-the-fire-movement-and-retirement-planning","status":"publish","type":"post","link":"https:\/\/www.rbcwealthmanagement.com\/en-us\/insights\/learning-from-the-fire-movement-and-retirement-planning","title":{"rendered":"Learning from the FIRE movement and retirement planning"},"content":{"rendered":"

The Financial Independence, Retire Early (FIRE) movement has been a growing trend in the investment world over the last few years. Its adherents follow a mantra of extreme savings with the goal of retiring in their 30s or early 40s.<\/p>\n

While the idea of <\/span>retiring<\/a> <\/span>early may be appealing, it’s beyond the reach of most people, particularly those already in their 40s or beyond.<\/p>\n

However, the FIRE movement’s focus on savings discipline and frugality offers a potential strategy for <\/span>retirement planning<\/a> <\/span>investors may want to apply more broadly, says Robert Stern, wealth strategist and wealth planning consultant at RBC Wealth Management-U.S.<\/p>\n

\u201cFIRE and the conversation at its core are not dissimilar from any retirement conversation we’re having with our clients. It really focuses on the same key things,” Stern says.<\/p>\n

Create a savings discipline<\/h4>\n

FIRE followers typically aim to save more than 50 percent of their income, and ideally up to 70-80 percent. According to Matt Kassera, senior manager of wealth planning at RBC Wealth Management-U.S., these individuals \u201care really focused on saving a lot of money very quickly and also bringing their expenses to the lowest level they can get to.”<\/p>\n

While not every investor can save at this level, establishing a firm savings rate and sticking to it may provide a solid basis for a retirement plan, says Kassera. Depending on your income level, this may mean paring down your lifestyle.<\/p>\n

\u201cIf you can really force yourself to save and focus on enjoying life even though you’re only spending the bare minimum, that’s really the benefit of the whole FIRE movement in general,” says Kassera.<\/p>\n

Maintain the kind of lifestyle you want<\/h4>\n

Retiring early is the stated goal of the FIRE movement, and doing so means establishing a clear idea of what the retiree will need to live on once their working income has stopped. While your ultimate goals may be different from FIRE followers, determining what you’ll need in order to maintain your desired standard of living should be a priority, says Stern.<\/p>\n

\u201cLet’s ascertain your needs, your wants, and your wishes, then quantify what you need for those, and then do some modeling to see if all three are possible,” he says.<\/p>\n

Those goals may include home renovations, frequent international travel, or perhaps the more modest aim of financial security with the freedom to pursue your interests. Reaching these goals often requires speaking to a wealth planner about the potential costs of <\/span>housing<\/a>, <\/span>health care<\/a>, <\/span>travel ambitions<\/a> <\/span>and the size of the estate you may eventually want to pass on. \u201cWe want to get as granular as we can,” says Stern.<\/p>\n

If your goal is to retire early in the FIRE style, determining what you can do without is important. Even if your goal is to work and save longer, knowing how much you need for the kind of retirement you want will influence how high you need to set your saving goals.<\/p>\n

Stern approaches this topic with clients by having them ‘paint a picture,’ or come up with an idea of what they want their retirement to look like. He then works with them to determine what their financials needs will be.<\/p>\n

\u201cWe get very personal and specific to a client’s position,” he says. \u201cBased on a client’s risk tolerance, we’ll model out what that looks like for them to have a hopefully successful outcome.”<\/p>\n

A modern retirement could see you back at work<\/h4>\n

Part of what has helped drive the FIRE movement’s emergence is a shift in how retirement and financial independence are viewed, particularly by the Millennial generation, says Stern. \u201cIt used to be this really binary thing,” he says. \u201cYou worked and then you didn’t work.”<\/p>\n

Now, with the growth of the gig economy and more opportunities for working later in life, Stern sees the lines between work and retirement blurring. \u201cMaybe you can retire at 50, but you continue to consult and work part time until you’re 65. Then maybe you dial it back a bit more, or you stop entirely,” he says.<\/p>\n

Along with those changes in working in retirement, there’s also a changing sense of how to define financial independence. Unlike in years past, Kassera says, “it means living a life with reduced stress and being able to do the things you enjoy doing.”<\/p>\n

“And hopefully being able to find a way to make money off those things,” he adds.<\/p>\n

Regardless of age, retirees who found satisfaction in their careers often don’t want them to end completely. Working later in life, along with a focus on savings discipline and frugality, may offer some investors a better chance of reaching their retirement goals.<\/p>\n

\u201cTwenty years ago it was, ‘Here’s what your assets can support,'” says Kassera. \u201cToday we start with the client, what they’re passionate about, and what’s important to them. Then we work towards understanding what’s sustainable, and how we create their desired outcome together.”<\/p>\n","protected":false},"excerpt":{"rendered":"

What is the FIRE movement, and how can it help prepare you for financial independence and a happy retirement?<\/p>\n","protected":false},"author":0,"featured_media":9043,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"rbcwm_post_date":"","editor_notices":[],"rbc_url_alias":"","rbcwm_featured_desktop_image_position":"","rbcwm_featured_mobile_image_position":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[138],"tags":[177,412,53],"rbcwm_content_owner":[],"rbcwm_need":[463],"rbcwm_segment":[460],"rbcwm_solution":[465],"rbcwm_topic":[457,464],"rbcwm_channel":[],"rbcwm_format":[],"class_list":["post-3731","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-your-finances","tag-financial-planning","tag-fire-movement","tag-retirement-planning","rbcwm_need-protect","rbcwm_segment-individuals-and-families","rbcwm_solution-wealth-planning","rbcwm_topic-education","rbcwm_topic-your-wealth"],"acf":{"rbcwm_subtitle":"What is the FIRE movement, and how can it help prepare you for financial independence and a happy retirement?","rbcwm_post_author":[],"rbcwm_custom_breadcrumb_text":"","rbcwm_custom_breadcrumb_link_url":"","rbcwm_disclaimers":{"add_disclosures":["No"],"perspective_disclaimer":["No"],"expandable":[],"omit_from_pages":[],"disclaimer_footnote":"

Investment and insurance products offered through RBC Wealth Management are not insured by the FDIC or any other federal government agency, are not deposits or other obligations of, or guaranteed by, a bank or any bank affiliate, and are subject to investment risks, including possible loss of the principal amount invested.<\/p>"},"rbcwm_insight_cta_id":8484,"rbcwm_pagination":{"next_link":"","next_link_text":"","previous_link":"","previous_link_text":""},"rbcwm_video_duration":"","article_time":"","rbcwm_enable_toc":false,"rbcwm_toc_selector":"h2"},"yoast_head":"\nLearning from the FIRE movement and retirement planning<\/title>\n<meta name=\"description\" content=\"What is the FIRE movement, and how can it help prepare you for financial independence and a happy retirement?\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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