Insights · Tips · Calm
Savings tips & insights
Short, concrete articles on how to grow your capital calmly and for the long term.
- FIRE·31 May 2026·5 min read
The 12% rule – why it's controversial (and how it stacks up against the 4% rule)
What the 12% rule is, where the number comes from, and why most retirement researchers warn against planning around it. Test it against the 4% rule in the calculator.
- FIRE·31 May 2026·6 min read
The FIRE movement and the 4% rule – the path to financial freedom
What is FIRE, how does the 4% rule work, and how do you calculate your own FIRE number? A calm introduction with a calculator.
- Saving·15 June 2026·5 min read
The 12-12-12 rule – save for 12 years, live off the capital for life
A pedagogical mnemonic showing how compound interest can turn 12 years of monthly saving into a lifelong income. Here's how it works.