Bookmark Nomada — the one-tab toolkit every digital nomad needs·⌘D / Ctrl+D
Bookmark Nomada — the one-tab toolkit every digital nomad needs·⌘D / Ctrl+D
FIRE number
$555,000
$1,850/mo × 12 ÷ 4%
Best for: UNESCO Portuguese-Spanish colonial town across the Río de la Plata from Buenos Aires — 1-hour ferry, dollarized economy, dramatically cheaper than Punta del Este.
FIRE number in Colonia del Sacramento
$555,000
$1,850/mo × 25
FIRE number at $5K/mo (US)
$1,500,000
US-typical baseline
Years saved
~13.0 years sooner
Same saver, different city
Representative saver: $50,000 invested, $2,000/mo contribution, 5% real return, 4% safe withdrawal rate.
Assuming your monthly burn matches Colonia del Sacramento’s mid-tier nomad budget ($1,850/mo) at 5% real return.
Just starting
$0 saved, $1,500/mo invested
18y 8mo
Mid-career
$200K saved, $2,500/mo invested
7y 4mo
Late starter
$500K saved, $1,500/mo invested
1y 3mo
Colonia del Sacramento is the Portuguese-founded colonial port 1 hour by ferry from Buenos Aires, in southwestern Uruguay. The historic quarter (Barrio Histórico) is the UNESCO-listed core — cobblestone, lighthouse, riverfront drinks at sunset — and where most short-stay nomads base. Real day-to-day living happens in the newer area east of the old town. Internet (Antel fiber) is solid and improving. Uruguay's nomad visa for short stays runs as a regular tourist permit (90 days, renewable to 180); the longer-term Residence Permit takes 3-12 months and requires income proof. Most BA-based nomads use Colonia as a Schengen-style border-run while their Argentina paperwork is in process.
Pathway
Extendable tourist
Program
Uruguay Tourist Stay
Typical max stay
6 months
Uruguay grants 90 days visa-free entry on arrival for most western passports, extendable to 180 days in-country. Longer-term residence requires the Permanent Residency application — bureaucracy-heavy but accessible to income earners with USD 1,500+/mo demonstrable.
Editorial summary, not legal advice. Verify with the relevant consulate before applying — visa programs change with little notice.
Same representative saver, four reference nomad cities.
| City | Monthly | FIRE number | Years to FI |
|---|---|---|---|
| Colonia del Sacramento | $1,850 | $555,000 | 13y 5mo |
| Lisbon | $1,980 | $594,000 | 14y 2mo |
| Berlin | $2,540 | $762,000 | 17y 1mo |
| Bangkok | $1,430 | $429,000 | 10y 10mo |
| Mexico City | $1,970 | $591,000 | 14y 1mo |
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Editorial estimates. Not financial advice. The 4% rule is a planning anchor, not a guarantee — sequence-of-returns risk and tax-jurisdiction friction (US-LLC / FEIE / state residency) can move the real number meaningfully. See our expat tax directory for the cross-border side of the math.
