Kinoshita attributes her success to investing 100% of her side hustle income and lowering expenses. But is it the right choice for everyone?“Because I made early retirement my priority, my investment accounts have really grown in a way that I really didn't anticipate,” she said. “As of the time of this recording in November 2025, I have about $265,000 in my 401(k), $60,500 in my Roth IRA, $180,000 in my brokerage accounts, and about $15,600 in my SEP IRA. And despite never having a six-figure salary, I've b ...

Core Insights - The FIRE movement, which stands for financial independence, retire early, has gained significant attention in retirement planning discussions, emphasizing intense budgeting, saving, and investing to enable early retirement [1][2] Group 1: Advantages of the FIRE Movement - The FIRE movement encourages individuals to save with purpose, prompting them to reflect on their values and develop disciplined spending habits [3] - It helps mitigate 'lifestyle creep' by promoting budgeting discipline and long-term financial planning, which are essential for achieving significant financial goals like retirement [4][5] - The movement has contributed to an increase in personal financial literacy, as individuals explore financial concepts and apply best practices to their finances [6]