What can you do once you hit the Crossover Point? At a minimum, you can do nothing. Wake up, spend three hours at brunch, go work out, see friends, and practice your hobby. You can choose to work, or not—after all, you could spend the rest of your life spending down your investments. Many call this “retiring early” (RE); together, they’re Financial Independence + Retiring Early = FIRE. There’s “LeanFire,” which is people who’ve decided they can live on a “lean” amount of money—often $30,000 to $50,000 a year in perpetuity. They reject materialism and embrace simplicity, often in an extreme
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