Trey on Nostr: Every morning since 2019, I’ve updated a spreadsheet with my bank accounts, ...
Every morning since 2019, I’ve updated a spreadsheet with my bank accounts, bitcoin, stocks, and expenses.
The number that gave me clarity wasn’t net worth. It was my portfolio value divided by annual expenses. That multiple shows what my money can support—and how close I am to buying back my time.
That spreadsheet became the FIRE BTC Compass. Enter your annual expenses, bitcoin holdings, stocks, and income. It places you on the nine-level FIRE Spectrum, shows your milestones, and calculates how far you are from financial independence.
It also shows two targets. The traditional target uses the 4% rule: 25 times annual expenses. The BTC-adjusted target accounts for bitcoin’s different risk-reward profile and shows how a meaningful allocation changes the math. Saved snapshots track your portfolio against both targets over time.
The tool runs in your browser. There are no accounts, logins, cookies, or servers storing your financial information. Your data stays on your device because it’s nobody’s business but yours.
Net worth can rise without telling you what changed. A FIRE level, expense multiple, and visible target show where you stand and what to work toward next.
Turn your numbers into a FIRE plan:
https://www.firebtc.io/p/introducing-the-fire-btc-compassPublished at
2026-08-01 15:04:55 CESTEvent JSON
{
"id": "191e3aa198bce365a6e110c3af169b3f27df4620039d216c29cbb153a0dca466",
"pubkey": "de885001fac7aab1a21a793b153c28ddc5a794a818fb4fb9f5ed89c33302f7d8",
"created_at": 1785589495,
"kind": 1,
"tags": [],
"content": "Every morning since 2019, I’ve updated a spreadsheet with my bank accounts, bitcoin, stocks, and expenses.\n\nThe number that gave me clarity wasn’t net worth. It was my portfolio value divided by annual expenses. That multiple shows what my money can support—and how close I am to buying back my time.\n\nThat spreadsheet became the FIRE BTC Compass. Enter your annual expenses, bitcoin holdings, stocks, and income. It places you on the nine-level FIRE Spectrum, shows your milestones, and calculates how far you are from financial independence.\n\nIt also shows two targets. The traditional target uses the 4% rule: 25 times annual expenses. The BTC-adjusted target accounts for bitcoin’s different risk-reward profile and shows how a meaningful allocation changes the math. Saved snapshots track your portfolio against both targets over time.\n\nThe tool runs in your browser. There are no accounts, logins, cookies, or servers storing your financial information. Your data stays on your device because it’s nobody’s business but yours.\n\nNet worth can rise without telling you what changed. A FIRE level, expense multiple, and visible target show where you stand and what to work toward next.\n\nTurn your numbers into a FIRE plan: https://www.firebtc.io/p/introducing-the-fire-btc-compass",
"sig": "c77c30ce058afb3a48c5416c0d1cc154c352dbb435c24f280ba09ea576745502d86768826db84a4d884b7696e8d1e418a75240b950d8b1bf98bb48111c7b1b7f"
}
