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FIRE number
$384,000
$1,280/mo × 12 ÷ 4%
Best for: Thailand Trat province island — second-largest Thai island, jungle-and-beach east-coast base.
FIRE number in Ko Chang
$384,000
$1,280/mo × 25
FIRE number at $5K/mo (US)
$1,500,000
US-typical baseline
Years saved
~16.6 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 Ko Chang’s mid-tier nomad budget ($1,280/mo) at 5% real return.
Just starting
$0 saved, $1,500/mo invested
14y 7mo
Mid-career
$200K saved, $2,500/mo invested
4y 2mo
Late starter
$500K saved, $1,500/mo invested
Already there
Trat Province island off the east coast near the Cambodian border — Thailand's second-largest island after Phuket, with a mountainous jungle interior and a string of west-coast beaches. White Sand Beach (the dense northern strip) and Lonely Beach (the southern backpacker anchor) are the typical bases. Same Thailand visa story (DTV launched 2024 — 5-year multi-entry, 180 days per stay, ฿500K savings requirement). The structural draws are jungle-interior geography, sub-Phuket pricing, and ferry access from the mainland. Coworking density is thin; the rainy season (May-October) is heavy.
Pathway
Digital nomad visa
Program
Thailand Destination Thailand Visa (DTV)
Typical max stay
60 months
Same Thailand DTV as Phuket/Bangkok (5-year multi-entry, 180 days per stay, ฿500K savings). 30-day visa-exempt for many passports.
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 |
|---|---|---|---|
| Ko Chang | $1,280 | $384,000 | 9y 10mo |
| 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.