How do I know when I'm actually ready to pull the trigger on FIRE?

You're financially ready when your invested portfolio reliably covers your real annual spending at a sustainable withdrawal rate — often around 25 to 30 times expenses for a long retirement — and you've stress-tested it against bad markets and inflation. Beyond the number, confirm the practical pieces: a funded cash buffer, a tax-efficient drawdown and bridge plan to reach 59½, a health-insurance strategy before Medicare, and spending guardrails for down years. Equally important is the non-financial readiness — knowing how you'll spend your time, keep purpose, and maintain relationships, since many early retirees struggle with the identity shift more than the money. A useful test: run your plan through a simulator and see a high success rate across many market histories, not just an average. If the numbers work and you've planned the life, that's the signal. Confirm your readiness with wealthserene.com/assessments/retirement-readiness.