1 · Your pay

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€

2 · What you keep

64%
0%90%

3 · Where you invest

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Already saved
Your age
Growth % / year
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I’m FIRE in10 years!
Year 0

Your plan

Monthly pay
Savings rate
Saved and invested in index funds
Cost of living
Invested in
Target amount
Estimated time to financial independence–

Stay the course

The plan only works if you keep going through the bad years. Learn what two investing legends say about it.

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Stay the course

Ideas from John C. Bogle, who founded Vanguard, and from J.L. Collins, author of The Simple Path to Wealth.

Keep going when markets fall

Prices drop and then recover. Selling in a panic turns a temporary dip into a permanent loss. The plan only works if you keep investing through the bad years.

Own the whole market

A broad index fund holds thousands of companies. You do not need to find the winners, because you own them all.

Costs compound too

A small yearly fee eats a large share of your returns over decades. Index funds keep that fee very low.

Crashes are normal

Big drops happen regularly. They are the price of long-term growth, not a sign that the plan is broken.

Keep it simple

One broad, low-cost fund and steady saving beats a clever plan you give up on.

Summarised in our own words from the ideas of both authors. Not a quote from either. Not financial advice.

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