Financial independence, savings rate and net worth
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Lean FIRE: Survival Spending and How to Work Out Your Number
Lean FIRE is when your investments cover the spending you can’t cut. How to split your spending, work out your number, and how it compares with Fat FIRE.
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Barista FIRE: What It Is and How to Work Out Your Number
Barista FIRE is when your investments cover what a part-time job doesn't. What it means, how to work out your number, and how it differs from Coast FIRE.
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Building an End-to-End Encrypted Finance App with Tauri
Why I built Lume after six years of finance apps that never quite fit, and how that shaped it: statements instead of bank links, Tauri, encrypted sync.
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Lume Is Now on iPhone
Lume 1.4 brings the private FIRE tracker to iPhone. Keep up with your month from your phone, sync end-to-end encrypted with your Mac, and pay once for both.
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Your Savings Rate Is Your Retirement Date
Not your salary, not your returns. The percentage of your income you keep is what decides when you reach financial independence - and it is the one number worth tracking every month.
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Types of FIRE: Lean, Barista, Coast and Fat, Explained
Lean, Barista, Coast and Fat: the types of FIRE (financial independence, retire early), what each one means, how to work out its number, and how Lume tracks them.
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The Monthly Close: 4 Steps to Track Your FIRE Progress
Closing the month is the single most powerful habit you can build on your path to financial independence. Here are the 4 steps I follow every month in Lume.
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Introducing Lume
Lume is live on the Mac App Store: a private, offline-first FIRE tracker. One-time purchase, no subscription.