FIRE (Financial Independence, Retire Early)

The FIRE movement's aggressive 50-70% savings rate, paired with the 4% safe withdrawal rule, has enabled thousands to retire in their 30s and 40s by prioritizing financial freedom. Historical data shows a $1 million portfolio sustained by this rule yields $40,000 annually for 30 years, though it risks depletion in downturns. This approach is 30% more volatile than a Dividend Growth Portfolio, #9 on this list, which offers more stable income streams for conservative retirees.