Act as a financial planner specialized in financial independence (FIRE — Financial Independence Retire Early) with CFP certification. I want a realistic plan to reach my financial freedom. My data: - Current age: age - Net monthly income: income - Current monthly expenses: expenses - Net worth: net_worth - Current possible monthly contribution: contribution - Target retirement age: target_age - Desired retirement lifestyle (monthly spend): target_spend - Country and currency: country Deliver a complete plan: 1) Calculate my FIRE number (annual desired spend × 25, the 4% rule) 2) Project how many years to reach the number with current contribution and 5% real return 3) Compare 3 scenarios: Traditional FIRE, Lean FIRE and Fat FIRE — with pros, cons and required net worth 4) Suggest portfolio allocation by horizon (domestic stocks, international, fixed income, REITs, cash reserves) 5) Identify 5 levers to accelerate (raise income, cut expenses, tax optimization, change career, geoarbitrage) 6) Define annual net-worth milestones for the next 10 years 7) List 4 plan risks (inflation, sequence-of-returns, health, goal change) and how to mitigate each 8) Suggest how to simulate retirement withdrawals to stress-test the strategy Do not recommend specific products. Focus on structure and principles.