How to Retire Early on a $230,000 Salary

At $230,000 in annual income, you're in a strong position to pursue FIRE. Your 32% marginal federal tax rate means roughly 27.9% of income goes to taxes, leaving about $165,902/year after tax. The numbers are compelling: at a 50% savings rate, you could reach financial independence by your mid-to-late 30s, while a 30% rate targets your 40s. High incomes create massive FIRE leverage — every percentage point increase in your savings rate compounds dramatically. The key tax optimization: max out pre-tax accounts (401(k), HSA) to reduce your 32% marginal bracket before contributing to Roth or taxable accounts.