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FIRE number
$939,000
$3,130/mo × 12 ÷ 4%
Best for: US Rhode Island capital — Boston-adjacent (1h), Ivy League anchor, lower-cost northeast base.
FIRE number in Providence
$939,000
$3,130/mo × 25
FIRE number at $5K/mo (US)
$1,500,000
US-typical baseline
Years saved
~6.7 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 Providence’s mid-tier nomad budget ($3,130/mo) at 5% real return.
Just starting
$0 saved, $1,500/mo invested
25y 9mo
Mid-career
$200K saved, $2,500/mo invested
13y 1mo
Late starter
$500K saved, $1,500/mo invested
8y 3mo
Rhode Island state capital — 1 hour south of Boston by Amtrak, with Brown University and the Rhode Island School of Design (RISD) as cultural anchors. Federal Hill (the Italian-American food district), the East Side (around Brown), and Downcity (the converted-warehouse downtown) are the walkable cores. US has no DNV; visa-free ESTA up to 90 days for many passports, with no path to long-stay without an employment-tied visa. Roughly 30-40% cheaper than Boston on rent with the same New England seasonal climate (real winters).
Pathway
Long visa-free
Program
—
Typical max stay
3 months
US has no DNV. Visa-free ESTA up to 90 days for many passports. Long-stay requires employer-tied visa (H-1B, L-1, O-1, etc.) or O/EB visa categories.
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 |
|---|---|---|---|
| Providence | $3,130 | $939,000 | 19y 9mo |
| 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.