FIRE Planner Skill

A Claude Code skill that provides a structured knowledge base for Financial Independence, Retire Early (FIRE) planning. It equips Claude with formulas, frameworks, stress-testing methodologies, and reference scripts so it can give citation-backed answers to FIRE-related questions.

What It Does

When a user asks a FIRE-related question, Claude automatically:

1. Identifies the relevant knowledge files from the index
2. Reads the actual content (no hallucinated formulas)
3. Synthesizes an actionable answer with citations

Coverage

• Core FIRE math: FIRE Number, Safe Withdrawal Rate, Coast Number
• FIRE variants: Lean, Regular, Fat, Barista, Coast -- with a decision framework
• Risk analysis: Bear market stress tests, inflation sensitivity, Monte Carlo simulations
• Planning tools: Years-to-FIRE projections, scenario analysis, cashflow impact modeling
• International: Asia-specific considerations, multi-currency net worth, currency risk
• Tracking: Progress monitoring SOPs, reporting dashboards

Installation

Copy the fire-planner/ directory into your Claude Code skills folder:

.claude/skills/fire-planner/

Claude will automatically detect and use this skill when FIRE-related questions arise.

Directory Structure

fire-planner/
├── SKILL.md                          # Skill definition and instructions
├── RESOURCES_INDEX.md                # Complete file index with tags
├── plugin.json                       # Skill metadata
├── LICENSE                           # MIT License
├── README.md                         # This file
│
├── core-concepts/                    # Foundational FIRE theory
│   ├── fire-number-calculation.md
│   ├── fire-variants-guide.md
│   ├── safe-withdrawal-rate.md
│   ├── trinity-study-reference.md
│   └── fire-lifecycle-stages.md
│
├── planning/                         # Projection and scenario models
│   ├── years-to-fire-projection.md
│   ├── scenario-analysis-framework.md
│   ├── cashflow-impact-analysis.md
│   └── barista-fire-planning.md
│
├── risk-analysis/                    # Stress testing and simulations
│   ├── bear-market-stress-test.md
│   ├── inflation-sensitivity.md
│   └── monte-carlo-simulation.md
│
├── asset-allocation/                 # Portfolio strategies
│   ├── allocation-by-fire-stage.md
│   ├── multi-currency-net-worth.md
│   └── rebalancing-strategy.md
│
├── international/                    # Non-US FIRE planning
│   ├── asia-fire-considerations.md
│   ├── tax-efficient-withdrawal.md
│   └── currency-risk-management.md
│
├── tracking/                         # Progress monitoring
│   ├── fire-progress-tracking-sop.md
│   └── reporting-guide.md
│
└── reference-scripts/                # Python examples
    ├── README.md
    ├── fire_calculator_reference.py
    ├── scenario_analysis_reference.py
    └── net_worth_aggregator_reference.py

Example Questions

• "How do I calculate my FIRE number if I spend $40,000/year?"
• "What's the difference between Barista FIRE and Coast FIRE?"
• "Will my plan survive a 2008-style crash right after I retire?"
• "I earn in TWD but hold assets in USD and EUR. How should I track net worth?"

License

MIT