Generic FIRE math misses the parts that matter most for federal workers: pension, FEHB continuity, bridge income, and retirement thresholds. This pack exists to fix that quickly.
Get the FERS-specific workbook and supporting checklists by email, then use the rest of the pack to pressure-test FEHB, MRA timing, and the bridge years before you trust your plan.
Why This Exists
Most FIRE content assumes you are funding retirement entirely from a portfolio. Federal employees are not. Pension, FEHB, and the Supplement can move the timeline by years.
That is why this pack focuses on the failure points generic calculators and blog posts usually miss: FEHB continuity, MRA timing, deferred-versus-immediate retirement tradeoffs, and the pre-62 bridge years.
In plain English: fewer browser tabs, fewer fake assumptions, and a quicker path to the real questions.
Next Step
The next logical move after this pack is the Federal Employee FIRE Planner. That is the deeper scenario-planning layer for people who need pension timing, FEHB continuity, TSP planning, and eligibility checkpoints in one system.
Included Assets
A workbook for federal employees under FERS who need first-pass retirement math that accounts for pension, bridge income, and portfolio gap together.
A printable checkpoint for the retirement-healthcare rule that is too important to trust to memory or hallway advice.
A plain-English checkpoint sheet for immediate retirement thresholds, MRA+10 risks, and deferred-retirement tradeoffs.
A quick guide for understanding how the pre-62 bridge years affect withdrawal pressure and retirement timing.
A one-page framing guide for why pension, FEHB, TSP, and retirement eligibility rules change the math for federal workers.