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FIRE number
$375,000
$1,250/mo × 12 ÷ 4%
Best for: Pacific Oaxacan surf base — Zicatela pipeline, post-2022 nomad surge, mezcal coast.
FIRE number in Puerto Escondido
$375,000
$1,250/mo × 25
FIRE number at $5K/mo (US)
$1,500,000
US-typical baseline
Years saved
~16.8 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 Puerto Escondido’s mid-tier nomad budget ($1,250/mo) at 5% real return.
Just starting
$0 saved, $1,500/mo invested
14y 4mo
Mid-career
$200K saved, $2,500/mo invested
3y 12mo
Late starter
$500K saved, $1,500/mo invested
Already there
Zicatela's heavier waves bring serious surfers; La Punta the longboarders and most nomads. The town has grown fast since 2021 — rents up sharply but still half Tulum's. Coworking real (Selina + smaller spots) though most work café-based. Mexico's 180-day tourist permit covers medium stays; the 4-year Temporal Residency opens longer.
Pathway
Long visa-free
Program
—
Typical max stay
6 months
Mexico's 180-day tourist permit is one of the world's longest visa-free windows; Temporal Residency (1–4 years) available for remote workers above ~$2,600/mo income threshold.
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 |
|---|---|---|---|
| Puerto Escondido | $1,250 | $375,000 | 9y 7mo |
| 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.