this post was submitted on 10 Jul 2025
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FIRE (Financial Independence Retire Early)
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FIRE is a lifestyle movement with the goal of gaining financial independence and retiring early.
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I think if you're too focused on US-based investments, you're going to be in a bad way regardless. If you don't have a Roth IRA already, you should have one and max it out before you even begin to think of a traditional brokerage.
If you want safe dividends for a cushion, it makes more sense to have a High-Yield Savings Account paying out ~4% per year, monthly, and having growth-focused retirement accounts (preferably a balance of US and international, ie something like VT). Dividend stock investing only really makes sense if you already have 6 months to a year's worth of expenses in a HYSA already and a maxxed out Roth IRA and 401K focused on asset growth.