The Five Stages You’ll Face When Discovering FIRE

Discovering the concept of Financial Independence and Retire Early can be a life-changing experience. However, it’s often not a smooth road.


Denial is the first of the five stages of understanding FIRE. It helps us to survive the greatness of the discovery. In this stage, the world of FIRE seems made up and overwhelming. Financial independence makes no sense. We are in a state of shock and denial. We refuse to believe that a person could live happily on $40,000 a year. We go numb.


Anger is a necessary stage of understanding Financial Independence and letting it in to your life. Be willing to feel your anger, even though it may seem endless.


We want to go back in time: discover FIRE sooner, spend less, invest more, pick a different career that we truly love…if only, if only, if only. Guilt is often bargaining’s companion. The “if onlys” cause us to find fault in ourselves and what we “think” we could have done differently.


This depressive stage feels as though it will last forever. The depression makes us feel as if we can never escape our cubicle. We lack the energy to pick up a budget, to challenge our ingrained way of thinking and to push for change.

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