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
$612,000
$2,040/mo × 12 ÷ 4%
Best for: US Ohio Wright-Brothers city — aviation-research heritage, Wright-Patterson AFB, manufacturing decline.
FIRE number in Dayton, OH
$612,000
$2,040/mo × 25
FIRE number at $5K/mo (US)
$1,500,000
US-typical baseline
Years saved
~11.9 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 Dayton, OH’s mid-tier nomad budget ($2,040/mo) at 5% real return.
Just starting
$0 saved, $1,500/mo invested
19y 11mo
Mid-career
$200K saved, $2,500/mo invested
8y 4mo
Late starter
$500K saved, $1,500/mo invested
2y 5mo
Southwest Ohio city — birthplace of the Wright Brothers (the Wright Cycle Company shop is preserved) and home to Wright-Patterson Air Force Base (one of the largest US Air Force facilities). The Oregon District (the converted-warehouse entertainment strip) and downtown are the walkable cores. US has no DNV; ESTA 90 days. The structural draws are genuinely-cheap rents (among the lowest in any US metro of comparable size), aviation-research density (the US Air Force Museum is a major draw), and Ohio's flat cycling-friendly geography. Demographic and economic decline since the 1980s deindustrialization is real.
Pathway
Long visa-free
Program
—
Typical max stay
3 months
US has no DNV. Visa-free ESTA up to 90 days. Ohio has state income tax (2.75-3.5%).
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 |
|---|---|---|---|
| Dayton, OH | $2,040 | $612,000 | 14y 6mo |
| 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.
