Pick who you are, then play 40 quarters — ten years — of real decisions. Every choice moves your real FIRE age — calculated with the same compound maths as our FIRE calculator, not arbitrary points.
These aren't skins. Each one is a real starting position — different age, savings, income and fixed costs — so the arithmetic genuinely differs. Each has their own par, the FIRE age that ordinary play gets them to. Beat your par.
This isn't a score — it's the same calculation behind our FIRE calculator:
Notice that spending hits you twice: it raises the target and shrinks what you invest. That's why a card that quietly adds $4,000/year to your lifestyle does far more damage than a one-off $4,000 purchase — and why the game is built around that distinction rather than around one-off "gotcha" expenses.
If your spending reaches your income, the surplus hits zero and the projection returns never. That isn't a punishment — it's what the arithmetic actually says.