FIREProof

FIREProof is a web + mobile app that stress-tests your early-retirement plan against the stuff people ignore: sequence-of-returns risk, long flat markets, healthcare shocks, tax-law changes, and lifestyle creep. It connects to your brokerage/bank via Plaid, pulls real holdings, and runs scenario packs (e.g., “2000–2010 lost decade,” “high inflation,” “bear market in year 1,” “medical event at 52”). Instead of a single “success %,” it produces a plain-English failure narrative: when you run out of money, what caused it, and the smallest changes that fix it (work 6 more months, cut spend 7%, shift allocation, add guardrails). It also tracks your actual spending and compares it to your modeled plan so you see drift early. This is not motivational content; it’s a decision tool designed to prevent expensive overconfidence.