FIRE spreadsheets and calculations are overrated in my opinion. The decision to walk away is much more complex than plain numbers. Even if you end up walking away based purely on numbers, it’s very likely you will be back in a few.<p>My bet is that there are many who actually can quit based on just numbers but who don’t or can’t. I was one of them. I’ve attempted to take an alternate look based on my own experience instead of the typical crap that’s out there.