Is the FIRE math realistic for someone earning a modest or median income?

It is harder but not impossible. The Bureau of Labor Statistics and Census data show median household incomes leave less room for a huge savings rate, so timelines stretch longer and the plan leans more on Lean FIRE, geographic arbitrage, paid-off housing, and side income. Full early retirement in a decade is unlikely on a median salary, but reaching financial independence by the standard retirement age, or work-optional status somewhat earlier, is achievable.

The honest framing is that FIRE principles help everyone even if the "RE" part looks different. Raising your savings rate from 5% to 20% still transforms your future security. Focus on controllable levers: keep fixed costs low, invest consistently in index funds, and grow income where you can. Track progress with wealthserene.com/tools/fire-calculator.