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
$639,000
$2,130/mo × 12 ÷ 4%
Best for: US Texas Fort Cavazos garrison city — Army-base-economy town, central Texas.
FIRE number in Killeen, TX
$639,000
$2,130/mo × 25
FIRE number at $5K/mo (US)
$1,500,000
US-typical baseline
Years saved
~11.4 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 Killeen, TX’s mid-tier nomad budget ($2,130/mo) at 5% real return.
Just starting
$0 saved, $1,500/mo invested
20y 5mo
Mid-career
$200K saved, $2,500/mo invested
8y 9mo
Late starter
$500K saved, $1,500/mo invested
3y
Central Texas city anchored by Fort Cavazos (formerly Fort Hood, the largest US Army installation by population). Downtown Killeen and the area near the West Fort Hood gate are the typical anchors. US has no DNV; ESTA 90 days. Texas has no state income tax. The structural draws are military-base employment density, genuinely cheap pricing, and central Texas mild-winter climate. Nomad relevance is low; this is primarily a working garrison economy.
Pathway
Long visa-free
Program
—
Typical max stay
3 months
US has no DNV. Visa-free ESTA up to 90 days. Texas has no state income tax.
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 |
|---|---|---|---|
| Killeen, TX | $2,130 | $639,000 | 14y 12mo |
| 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.
