AdvertisementFIRE blogger Andre Nader and his wife have been working toward early retirement for years. Related VideoMembers of the FIRE (financial independence, retire early) community typically use the "4% rule," which suggests that you can safely withdraw 4% annually from your nest egg. Nader prefers to use a more conservative 3% safe withdrawal rate, which you can calculate by multiplying your annual number by 33.33. He and his wife, who works as a designer for Uber, had been preparing to retire early together. Between March 20203 and February 2024, the family of three residing in San Francisco kept their annual expenses around $140,000.

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