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The FIRE Exit
The library

Everything to read, one shelf.

Two kinds of reading live here. The references — the guide, the atlas, the canon, the glossary — written once and kept current. Under them, the essays: first person, blunt, lived. None of it is advice.

The writing

The essays.

First person, blunt, lived — the thinking behind the whole site.

01

The spreadsheet goblin

I once walked across Dublin to save a bus fare — and put my whole portfolio where the fees were lowest from day one. Which optimisations are worth it, from someone who's lived both ends of the spreadsheet.

10 July 2026 · 4 min read

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02

I retired at 34

The whole exit, told straight: proved on a bicycle, finished with a flight to Lisbon, celebrated with nothing. And the record corrected — I was 34, not 33. I never remember my age.

7 July 2026 · 4 min read

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03

Why people don't quit

Some of my friends have been one year away for five years. It stopped being about the money a long time ago — on fear, and the cheapest first step I've seen actually work.

1 July 2026 · 3 min read

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04

Buying freedom

How many years of freedom are you buying this month? I used to price everything that way. What's left of the arithmetic now — and the things people misprice most.

25 June 2026 · 3 min read

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05

The blank page

Nobody warns you about the morning after financial independence: the freedom turns up empty-handed. What I've learnt about filling it.

19 June 2026 · 3 min read

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06

The number

The maths from the talk: how big the pot, why I count thirty times spending rather than twenty-five, and what I actually hold. Still not advice — just my own sums, shown.

12 June 2026 · 4 min read

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07

Own your time

Notes from a talk I gave on financial independence, tightened up. None of it is advice — it's just how I think about money.

5 June 2026 · 3 min read

Read

Then run the numbers in the tools — or bring the hard part to a session.

Bring me a challenge.

The Exit Audit, then ninety minutes: a straight verdict, real alternatives with their pros and cons, and your first move. If you want someone to nod along, I’m the wrong person to pay.