@Nidhi Katta You've hit on the key to FIRE. Most people overlook strategies that work during the accumulation phase. For me, it's been massive depreciation from multi-family value-add opportunities. A cost segregation study on a property allows you to "front-load" depreciation, creating large passive losses that offset ordinary income. This isn't just about saving for retirement; it's about radically reducing your tax burden today, which supercharges your investable cash flow. It’s a more active strategy than setting up a ladder, but the immediate tax benefits can shave years off your timeline. Happy to help if anyone has questions about how this works in practice. Feel free to reach out, I'm glad to offer some free guidance based on my experience