You're right — if someone wants a super precise FIRE date, it gets tricky with volatility and short time horizons. We considered adding a range around the retirement date using different return scenarios, but some users found that too complex and preferred the current simplicity.
That said, we still believe it’s useful to focus on what is in your control: contributing to the right accounts in the right order, investing wisely, and minimizing fees. Those fundamentals work in any market, and over time, the ups and downs tend to average out.
That said, we still believe it’s useful to focus on what is in your control: contributing to the right accounts in the right order, investing wisely, and minimizing fees. Those fundamentals work in any market, and over time, the ups and downs tend to average out.