FIRE (Financially Independent, Retire Early) is having a moment, and it’s not hard to understand the appeal. Retiring early, who wouldn’t sign up for that? When you think of retirement age, you probably think of someone in their late 50's or 60's, and there’s a reason for that: it’s the norm. While this is the standard age most people retire, people who strive for FIRE retire much earlier than this, usually in their 30's or 40's.

FIRE isn’t always a realistic goal. There are challenges associated with early retirement that you won’t read about in the accounts of bloggers who have achieved this goal. Also, as you correctly assume, early retirement is not for everyone. Here’s why:

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