FIRE'd, Renting, and Raising Kids: The "Settle Down" Myth Debunked

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The old narrative that kids force FIRE'd families back into W-2 jobs and 30-year mortgages is collapsing under the weight of real-world evidence. JL Collins' latest guest post is another data point proving the skeptics wrong.

Every FIRE community veteran has heard some version of this line: "Sure, you can travel and rent now, but wait until you have kids." It's delivered with knowing confidence, usually by someone who bought a house, went back to work, and quietly assumes everyone eventually does the same.

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