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Terminology

A glossary of the financial terms used across Calm Sea

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Posts and Articles to gain a deeper understanding

What Is Cash Flow? A Plain-English Guide

What is cash flow? The money moving in and out of your finances over time. Learn the formula, positive vs negative cash flow, and how it differs from net worth.

July 18, 2026

What Is the Rule of 72? Formula, Examples, and How to Use It

The Rule of 72 is a quick shortcut for estimating how many years an investment takes to double. Learn the formula, worked examples and how accurate it is.

July 15, 2026

What Is The Safe Withdrawal Rate? Definition and Formula

A safe withdrawal rate is the share of a retirement portfolio you can spend each year without running out. Learn the formula, benchmarks and common strategies.

July 14, 2026

What Is Coast FIRE? Definition, Formula, and How to Calculate Your Number

Coast FIRE means saving enough early that compound growth alone funds retirement by a target age. Learn the formula and how to calculate your Coast FIRE number.

July 10, 2026

How to Track Net Worth: A Step-by-Step Guide

Learn how to track net worth to see whether you're really building wealth: how to calculate it, which method to use, how often to update it, and what to avoid.

July 9, 2026

What Is the BRRRR Method? Buy, Rehab, Rent, Refinance, Repeat Explained

The BRRRR method (buy, rehab, rent, refinance, repeat) recycles the same capital across rental properties. Learn each step, the deal numbers, and the risks.

July 9, 2026

What Is Fat FIRE? Definition, How Much You Need, and How It Compares

What is Fat FIRE? Financial independence with enough to fund a comfortable, unrestricted lifestyle. Learn the formula, a worked example and how it compares.

July 8, 2026

What Is the 50/30/20 Budget Rule? Formula, Examples, and How to Use It

The 50/30/20 rule splits after-tax income into 50% needs, 30% wants and 20% savings and debt payoff. See worked examples and how to adjust it to your numbers.

July 8, 2026

What Is Barista FIRE? Definition, How It Works, and How to Calculate Your Number

Barista FIRE means saving enough to leave your career, then covering part of your costs with part-time work while you invest. See the formula and an example.

July 7, 2026

What Is Compound Interest? Formula, Examples, and Why It Matters

Compound interest is interest earned on your principal plus the interest already added. Learn the formula, see worked examples, and try the free calculator.

July 7, 2026

What Is Lean FIRE? The Minimalist Path to Financial Independence

Lean FIRE means retiring early on a modest budget, often $25,000 to $40,000 a year. See the formula, a worked example with US spending data and the key risks.

July 6, 2026

Cash on Cash Return: Formula, Examples, and What Makes a Good CoC

Cash on cash return is annual pre-tax cash flow as a percentage of the cash you invested. See the formula, worked examples, what 8-12% means and how it differs.

July 1, 2026