Free Tool
FIRE Readiness Checklist
This isn’t a calculator. It’s a structured self-assessment across the areas that actually derail early retirement: money, risk, healthcare, legal/tax prep, and life after work.
Financial confidence
Can your plan handle real life — not just a smooth market?
Risk & concentration
Great portfolios can still be fragile if they’re too concentrated.
Healthcare & insurance
This is the #1 ‘hidden landmine’ for early retirees — but it’s solvable.
Legal, tax & admin readiness
The boring prep that prevents expensive mistakes later.
Life after work
Retiring ‘from’ work is easy. Retiring ‘to’ something fulfilling is the goal.
Your results
You’re 0% ready across the checklist. The goal isn’t perfection — it’s clarity.
Weakest area to address next
Financial (0%)
Most people don’t delay retirement because of money — they delay because one area feels unresolved (often healthcare or life structure).
Next best step
If you want more confidence, the fastest move is to focus on the weakest area and create a simple action plan for it.
Want to keep it simple?
If your plan works in a bad market, you understand healthcare, and you have a life you’re excited to wake up to… you’re closer than you think.