90% equity right before FIRE? Only with a finfluencer

One of the most 'funniest' tweets I read today 👇

Because no sane person who is about to achieve #FIRE sits on 90% equity, unless their advisor is a #Finfluencer!

Remember, FIRE isn’t just about reaching a number; the more important part is to protect that number.

Any well-thought-out FIRE journey typically looks like this:
- Far from goal (10+ yrs) → Higher equity (60-70%), ride volatility without getting panicked
- Closer to goal (~5 yrs) → Gradual de-risking starts, debt component has a higher weightage as compared to equities
- Near FIRE (>1 yr) → Capital protection takes priority, equity exposure reduced drastically

So when a short-term market fall “derails” a FIRE plan, it usually says more about the "Plan" than the "Market"!
But nuanced takes don’t attract #eyeballs; extreme ones do!
And that’s the problem.

If you’re on the FIRE journey, embrace right #AssetAllocation
Move away from #Finfluencers creating unnecessary #Noise
Please don't check your #Networth daily; it won't help
As you approach FIRE, #CapitalProtection > #ReturnMaximization

And if you are on a FIRE journey and need someone to talk to, feel free to reach out.