Guides

Registration, mandatory 2FA, the sample data every account starts with, adding your first real asset, and finding your FIRE number.

What the Your Ember radar, the FIRE date headline, net worth vs. the investable pot, and the reconciliation strip actually mean.

How planned life events shape your FIRE journey, and how scenarios let you compare parallel what-if plans.

The difference between the deterministic FIRE projection and Monte Carlo confidence, and what the overdraw & survival panel shows.

The four withdrawal models behind your FIRE number, the pension bridge, lump sums, sustainable draw, and what funds every retirement year.

Guyton-Klinger's decision rules explained, a worked example computed by Ember's own engine, and why the same guardrail cut lands differently across borders.

Bill Perkins' planned-depletion philosophy explained, a worked example comparing SWR vs drawdown-to-zero computed by Ember's own engine, and the cross-border estate wrinkle it creates.

The entitlement ladder from S1 coordination to visa-mandated insurance, a worked example computed by Ember's own engine, and where to enter a per-stage healthcare cost on your residency timeline.

How Ember's residency timeline drives income tax, capital gains, and treaty relief across a move between countries.

What counts in your estate at death, the waterfall to net-to-heirs, receiving an inheritance, and why DC pensions ride the pot.

Avalanche vs snowball payoff strategies, after-payoff redirect policies, and the honest overpay-vs-invest comparison.

How Ember's chat and insights work: descriptive by default, opt-in advisory mode, metered AI credits, and cost caps.

Overview of live broker/crypto connections, CSV import for every entity, and PDF statement extraction, with links to each provider guide.

What Spark, Ember and Blaze include, Spark's real per-entity caps, the 72-hour trial, and how annual pricing is derived.

Every FIRE term Ember uses, in plain English — with worked examples from the engine.

Researched answers to real FIRE questions — safe withdrawal rates, bridge years, cross-border wrinkles — with numbers checked against Ember's engine.