BiggerPockets Money4 Huhti 2025

Teacher ($44K/Year Income) FIREs in 10 Years Making the RIGHT Sacrifices

You may not make six figures, but you want to achieve FIRE and retire early. You might be struggling to get by, let alone saving and investing to hit your FIRE number. If it seems impossible, you should take a page from Bryce Stewart’s book. He was a sixth-grade school teacher, making $44,000/year, underwater on his condo purchase, worrying about the bills with one baby and another one on the way. A decade later, he was retired, with more passive income than he could spend. Today, we’re sharing how he did it.

Your income is NOT the limiting factor to you achieving FIRE, no matter how much it seems that way. Bryce took a slow and sacrifice-heavy path to early retirement and now makes more than 300% of the combined income of his and his wife’s teacher salaries. He was frugal without a doubt, but focusing on income-generating opportunities is what really slingshotted his net worth, passive income, and FIRE timeline.

So, what money move should you make RIGHT now to turn your median salary into investments that pay you passive income every month? What sacrifices should you be making to put your family in a FIRE financial position? What was the one purchase that launched Bryce’s path to FIRE? Whether you’re making under, over, or around six figures, you can retire earlier by taking Bryce’s advice.

In This Episode We Cover

The one investment Bryce made that helped him get to FIRE in 10 years

Building multiple income streams so you’re NOT reliant on your job

Why house hacking (living for free) is the ULTIMATE FIRE super-charger

Investments to make with a low/median income that will get you to FIRE faster

The #1 reason you should NOT tell your partner about your FIRE dreams…yet

And So Much More!

Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-625

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