fire-planner

# FIRE Planner Skill ## Description This skill provides access to a structured knowledge base for **Financial Independence, Retire Early (FIRE)** planning. It covers core formulas (FIRE Number, SWR, Coast Number), variant strategies (Lean/Fat/Barista/Coast), risk analysis (bear markets, inflation, Monte Carlo), international considerations (multi-currency, tax-efficient withdrawals), and progress tracking SOPs. ## Resources The knowledge base contains 20+ guides organized by domain: - **Core Concepts**: `core-concepts/` (FIRE Number, SWR, Trinity Study, variants, lifecycle stages) - **Planning**: `planning/` (projections, scenario analysis, cashflow, Barista FIRE) - **Risk Analysis**: `risk-analysis/` (bear market stress test, inflation, Monte Carlo) - **Asset Allocation**: `asset-allocation/` (stage-based allocation, multi-currency, rebalancing) - **International**: `international/` (Asia FIRE, tax-efficient withdrawal, currency risk) - **Tracking**: `tracking/` (progress tracking SOP, reporting guide) - **Reference Scripts**: `reference-scripts/` (Python calculation examples) See [RESOURCES_INDEX.md](RESOURCES_INDEX.md) for the complete file listing. ## Instructions 1. **Analyze User Intent**: Determine whether the user needs a formula, a framework comparison, a stress test interpretation, or a planning workflow. 2. **Locate & Read**: - Identify the relevant subfolder (e.g., "How do I calculate my FIRE number?" -> `core-concepts/fire-number-calculation.md`). - **Always read the relevant file contents** before answering. Do not invent formulas or percentages. 3. **Handle Edge Cases**: - If multiple files are relevant, read all and synthesize insights. - If no exact match exists, check the broader category (e.g., `core-concepts/` for general questions). - If the question is ambiguous, ask for specifics: "Are you asking about traditional FIRE or Barista FIRE?" - If a file cannot be found, suggest the closest alternative from RESOURCES_INDEX.md. 4. **Synthesize with Citations**: - Provide a specific, actionable answer based *only* on the file content. - **MANDATORY**: At the end of your response, cite the specific file(s) you referenced. - Example: *(Source: core-concepts/fire-number-calculation.md)* ## Example Usage - **User**: "How do I calculate my FIRE number?" - **Action**: Read `core-concepts/fire-number-calculation.md`. - **Response**: Walk through the formula `FIRE Number = Annual Expenses / SWR` with concrete examples and the multi-currency table. - **Citation**: *(Source: core-concepts/fire-number-calculation.md)* - **User**: "Should I aim for Barista FIRE or full FIRE?" - **Action**: Read `core-concepts/fire-variants-guide.md` AND `planning/barista-fire-planning.md`. - **Response**: Compare the two variants using the decision framework and highlight the coverage ratio formula. - **Citation**: *(Sources: core-concepts/fire-variants-guide.md, planning/barista-fire-planning.md)* - **User**: "What happens to my plan if there's a bear market right after I retire?" - **Action**: Read `risk-analysis/bear-market-stress-test.md` AND `core-concepts/safe-withdrawal-rate.md`. - **Response**: Explain sequence-of-returns risk and the guardrails strategy for adjusting withdrawals. - **Citation**: *(Sources: risk-analysis/bear-market-stress-test.md, core-concepts/safe-withdrawal-rate.md)* - **User**: "I earn in TWD but want to retire in multiple countries. How do I track net worth?" - **Action**: Read `asset-allocation/multi-currency-net-worth.md` AND `international/currency-risk-management.md`. - **Response**: Explain the base-currency conversion approach and hedging considerations. - **Citation**: *(Sources: asset-allocation/multi-currency-net-worth.md, international/currency-risk-management.md)*