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
$438,000
$1,460/mo × 12 ÷ 4%
Best for: Sea-of-Cortez nomads who want the calmest Baja Sur option over the Cabo madness.
FIRE number in Loreto
$438,000
$1,460/mo × 25
FIRE number at $5K/mo (US)
$1,500,000
US-typical baseline
Years saved
~15.4 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 Loreto’s mid-tier nomad budget ($1,460/mo) at 5% real return.
Just starting
$0 saved, $1,500/mo invested
15y 11mo
Mid-career
$200K saved, $2,500/mo invested
5y 3mo
Late starter
$500K saved, $1,500/mo invested
Already there
Pueblo Mágico on Baja California Sur's Sea of Cortez coast — UNESCO-listed marine biosphere (Loreto Bay National Park) and the original Spanish settlement of the Californias (founded 1697). The town itself is small (~15k) but the waterfront malecón, mission church, and dive operators are walkable from the historic center. Crucially, this is the Sea of Cortez side, not the Pacific — flatter water, warmer year-round, with whale-watching season Jan–Mar. Loreto airport has direct US flights (LAX, Calgary, Dallas seasonally). Cost is significantly below Cabo or Todos Santos for comparable quality of life.
Pathway
Long visa-free
Program
—
Typical max stay
6 months
Standard Mexico FMM tourist permit — up to 180 days at officer discretion; same policy as the rest of Mexico, with shorter initial stamps (30-60 days) common post-2022 crackdown.
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 |
|---|---|---|---|
| Loreto | $1,460 | $438,000 | 11y |
| 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.
