Scrap Labs – FIREnomics Practical Financial Independence Guides

FIREnomics is Scrap Labs’ journal of practical financial independence: savings-rate engineering, index fund portfolio design, the 4 percent rule stress-tested, and withdrawal strategy under real sequence risk. Recent analyses show how portfolio concentration in mega-cap tech breaks 15-year retirement plans even when historical returns hold, and why safe-withdrawal math fails quietly rather than loudly. The editorial method is arithmetic first: every claim about retirement timelines, withdrawal rates, or income ladders is shown with the calculation that produced it, so readers can rerun the numbers on their own balances. Written from Detroit, Michigan, for an audience across the United States.