FIREd fall back options if markets tank at the wrong time for you and you don't want to compromise too much on your annual spending?

For those who have already or are looking to FIRE before pension access age, with most of their investments held in global equity index funds.

What are your main fall back options if markets tank at the wrong time for you and you don't want to compromise too much on your annual spending? Knowing that once you get to pension access age you will have sufficient pension funds.

For example, things like

p/t or occasional work - what kind of jobs do people do for this?

Equity release of funds from your home, assuming mortgage paid off.

Anything else worth considering?

Posted Apr 8, 2026, 1:12 PM UTC

216
Loading comments…