What are the most common FIRE mistakes people make?

The most common FIRE mistakes are underestimating spending and overestimating discipline. People often forget irregular costs — healthcare before Medicare, home and car replacement, taxes on withdrawals, and lumpy family expenses — which makes the 4% math look easier than reality. Others ignore sequence-of-returns risk, retiring with no cash buffer right before a downturn. Some chase an extreme savings rate that burns them out, while others fall into one-more-year paralysis and never pull the trigger. Tax mistakes are frequent too: failing to plan a Roth conversion ladder, letting a huge pre-tax balance create future RMD problems, or accidentally torpedoing ACA subsidies with a big capital gain. Finally, many forget that FIRE is as much about what you retire to as what you retire from. The fix is a written, stress-tested plan with flexibility built in. Stress-test yours at wealthserene.com/tools/fire-calculator.