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FIRE Starter Pack

Get the worksheets, checklists, and planning prompts that help you find your FIRE number, pressure-test your debt plan, and avoid the mistakes that stall progress. The point is simple: fewer vague goals, more clean decisions.

Spreadsheet-friendly worksheets
Printable checklists
Built around the calculators already on the site

Start with the workbook

You made it. No second opt-in trap here. Open the workbook, then use the rest of the pack below.

What this is not
It is not magic. It is not a passive-income fever dream. It is a cleaner operating system for people trying to reach FI on purpose.

Included Assets

What's inside

See the FIRE Planning System
XLSX Workbook

FIRE Number Worksheet

A styled spreadsheet workbook that turns expenses, withdrawal rate, and current assets into a concrete FI target.

  • Annual spending breakdown by category
  • Withdrawal-rate scenarios at 3%, 3.5%, 4%, and 4.5%
  • Gap-to-go field so the next target is obvious
Printable HTML

Debt Payoff Decision Guide

A printable decision sheet for choosing avalanche or snowball without playing emotional roulette every payday.

  • Quick rule set for when math should win
  • Behavior checklist for when motivation matters more
  • Weekly action box to prevent analysis paralysis
Printable HTML

Early Retirement Healthcare Checklist

A pre-exit checklist covering ACA planning, HSA positioning, bridge years, and the paperwork most people forget.

  • Coverage plan before age 65
  • Income-planning prompts that affect subsidies
  • A clean list of documents to gather before leaving work
Printable HTML

Five FIRE Mistakes That Wreck Timelines

A blunt checklist that pressure-tests the weak spots that usually delay FI by years, not months.

  • Lifestyle creep and vague target warnings
  • Sequence-of-returns and healthcare blind spots
  • A reset section for the one change that matters most next