What Is the 25x Rule? Simplifying the FIRE math

Plus one flaw in the 25x rule

Ben Le Fort
Making of a Millionaire
6 min readJan 23, 2020

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A pair of sunglasses sits on the sand at the beach.
Photo by Ethan Robertson on Unsplash

Whether you are pursuing financial independence and early retirement or planning for a standard retirement in your 60’s, you need to answer a critical question; “how much money do I need to retire?” In this article, I am going to review how a simple rule of thumb known as the 25x (or 25 times) rule can help answer that question. I’ll…

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