A Software Engineer's Path to Financial Independence and Early Retirement (FIRE)

Financial Independence

Debunking 10 Myths About the FIRE Movement

Debunking 10 myths about the FIRE movement

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The Financial Independence Retire Early (FIRE) movement has been gaining momentum over the past few years. It’s a lifestyle and financial strategy that aims to achieve financial freedom and retire significantly earlier than the conventional retirement age. However, with its rise in popularity, several myths and misconceptions have emerged.

In this post, we’ll debunk the following 10 of the most common myths surrounding the FIRE movement:

  1. Only High-Income Earners Can Achieve FIRE
  2. You Need to Live Like a Hermit to Achieve FIRE
  3. Once You Achieve FIRE, You Never Work Again
  4. FIRE is a One-Size-Fits-All Approach
  5. Investing for FIRE is Extremely Risky
  6. FIRE is Only for Single, Child-Free Individuals
  7. The FIRE Movement is Only for People Who Live in the US
  8. FIRE is a Recent Fad that Won’t Last
  9. Healthcare Expenses Make FIRE Impossible
  10. FIRE is Only for the Young

What is the FIRE Movement?

The FIRE movement, an acronym for “Financial Independence Retire Early,” is a modern financial and lifestyle movement aimed at achieving a state of financial independence, allowing individuals to retire or semi-retire far earlier than the traditional retirement age. The movement centers on three core principles: increasing income, decreasing expenses and investing the difference. For more details about the FIRE movement, you can look at How To Plan For Your Financial Independence.

Key Components of the FIRE Movement:

  1. Financial Independence (FI): This refers to the state where an individual or family has amassed enough wealth to live off the returns of their investments, without relying on regular employment income. The exact amount required for FI varies for everyone, depending on lifestyle choices, expenses, and financial goals. A common benchmark used within the FIRE community is having investments equal to 25 times annual expenses.
  2. Retire Early (RE): Contrary to traditional connotations of retirement, in the FIRE context, “retire early” doesn’t necessarily mean stopping work altogether. Many who achieve RE choose to pursue passion projects, part-time work, volunteer, or simply take a more flexible approach to employment. The key is that they’re not financially obligated to work.

Different Approaches within FIRE

  • Lean FIRE: This approach involves living frugally both before and after achieving financial independence, maintaining a minimalist lifestyle to reduce the amount of savings required for retirement.
  • Fat FIRE: Here, individuals aim for a more luxurious or comfortable retirement. They save and invest with the goal of maintaining a higher spending level in their early retirement.
  • Barista FIRE: This term is used to describe individuals who’ve mostly achieved financial independence but continue to work in low-stress, part-time jobs (like being a barista) to cover some living expenses and maintain social interactions.
  • Coast FIRE: This involves saving and investing aggressively early in life, then “coasting” by reducing savings rates or working less stressful jobs, knowing that their early investments will compound over time and provide for future retirement.
FIRE movement myths: High income

Myth #1: Only High-Income Earners Can Achieve FIRE

A pervasive myth surrounding the FIRE movement is that it’s only accessible to those with significant salaries. While a high income can certainly expedite the journey, many have achieved FIRE on modest incomes through diligent saving, frugality, and smart investing.

Examples of Bloggers Who Debunk This Myth

  1. Mr. Money Mustache (Pete Adeney): Perhaps one of the most famous figures in the FIRE community, Pete Adeney, aka Mr. Money Mustache, retired at the age of 30. While he had a decent job as a software engineer, his early retirement wasn’t due to an exorbitant salary but rather his savings rate. He and his wife managed to save two-thirds of their combined salary, allowing them to retire in just a decade.
  2. Jacob Lund Fisker of Early Retirement Extreme: Jacob’s journey to FIRE is a testament to how extreme frugality can expedite financial freedom. Living on an academic’s salary, he managed to save up to 75% of his income by making unconventional life choices, like living in an RV or renting a room instead of an apartment. His blog documents these strategies and provides a blueprint for others with modest incomes.
  3. The Frugalwoods (Liz and Nate): The Frugalwoods blog chronicles the journey of Liz and Nate, a couple who achieved financial independence in their early 30s. While they had professional jobs, it was their commitment to a frugal lifestyle—like buying second-hand, house hacking, and DIY projects—that enabled their early retirement.
  4. Jillian Johnsrud of Montana Money Adventures: Jillian’s story is a powerful example of achieving FIRE despite facing significant financial hurdles. She and her husband overcame debt and, on modest incomes, managed to retire in their 30s with five kids. They achieved this by living intentionally, prioritizing saving, and focusing on experiences over material possessions.
  5. Jason Fieber of Dividend Mantra: Jason started his FIRE journey as a below-average wage earner, making just over $40,000 annually. By living frugally and investing a significant portion of his income into dividend-paying stocks, he positioned himself to retire by 40.

These stories underline the reality that while having a high salary can undoubtedly help accelerate one’s journey to financial independence, it is by no means a prerequisite. Consistency, a high savings rate, and a focus on growing investments are the pillars of the FIRE movement. The narratives of these bloggers exemplify the idea that with the right mindset and strategies, achieving FIRE is possible for individuals across the income spectrum.

FIRE movement myths: hermit living

Myth #2: You Need to Live Like a Hermit to Achieve FIRE

The belief that achieving FIRE means extreme austerity and social isolation is a widespread misunderstanding. While the FIRE journey certainly emphasizes conscious spending and sometimes frugality, it does not equate to a reclusive lifestyle devoid of pleasure, experiences, or social connections. The real essence of the FIRE approach is to spend money where it provides genuine value and cut out the unnecessary, often mindless, expenses.

Examples of Bloggers Who Debunk This Myth

  1. Tanja Hester of “Our Next Life”: Tanja and her husband Mark retired in their 30s and 40s, respectively. Their path to early retirement did involve saving significantly, but it didn’t mean forgoing life’s pleasures. They traveled, engaged in outdoor activities, and often wrote about finding a balance between saving for tomorrow and living today. Their FIRE journey is about meaningful experiences over material possessions.
  2. J.D. Roth of “Get Rich Slowly”: J.D. often discusses the idea of conscious spending, which means allocating resources towards things that genuinely make you happy while cutting out mindless expenses. His journey showcases that one doesn’t need to live in seclusion or avoid experiences to achieve FIRE. Instead, it’s about making thoughtful financial decisions.
  3. Akaisha and Billy Kaderli of “Retire Early Lifestyle”: Having retired in their 30s back in the early ’90s, the Kaderlis are pioneers of the FIRE movement. Far from living like hermits, they have been globetrotting for decades. Their lifestyle showcases how one can integrate travel and adventure into the FIRE journey, emphasizing experiences over extravagance.
  4. Jill and Danny of “Wanderlust Simplified”: This couple, with their two kids, embarked on a journey towards financial independence without giving up their love for travel. They live by the motto “spend less, travel more.” Their blog documents how they balance frugality with the desire to explore the world.
  5. Liz and Nate of “Frugalwoods”: While they do advocate for a frugal lifestyle, it’s far from a hermetic one. They made the decision to move to a homestead in Vermont, embracing a life that’s both cost-effective and rich in experiences. Their focus is on simplicity, mindfulness, and intentional living rather than isolation.

These bloggers show that the road to FIRE can be filled with rich experiences, travel, social connections, and personal growth. The key is not to live in isolation but to ensure that every dollar spent aligns with personal values and long-term goals. Through their stories, we see that it’s entirely possible to enjoy life’s pleasures and still stride confidently towards financial independence.

FIRE movement myths: never work again

Myth #3: Once You Achieve FIRE, You Never Work Again

One of the most common misconceptions about the FIRE movement is that it’s an absolute end to one’s working life. In reality, many who achieve FIRE choose to continue working in some capacity. The key difference? They work on their terms, driven by passion or personal goals rather than financial necessity.

Examples of Bloggers Who Debunk This Myth

  1. Brandon of “Mad Fientist”: While Brandon reached financial independence and could have easily quit working altogether, he didn’t hang up his working boots. He continues to produce insightful content, develop software tools, and host his podcast. The difference post-FIRE? He now has the freedom to pursue projects he’s passionate about without monetary pressures.
  2. Carl Jensen of “1500 Days to Freedom”: Carl achieved financial independence in just 1500 days, but retirement for him didn’t mean staying idle. Post-FIRE, he delved into various passion projects, from renovating homes to writing. His journey showcases that FIRE can lead to a more fulfilling “work-life” balance, where work becomes a choice rather than an obligation.
  3. Steve Adcock of “Think Save Retire”: Steve retired from his IT career in his 30s. However, he didn’t retire from being productive. He shifted his focus to blogging, photography, and other pursuits that he genuinely enjoys. Steve’s life post-FIRE underscores the idea that retirement can be an active, purpose-driven phase of life.
  4. Leif Dahleen of “Physician on FIRE”: After achieving financial independence, Leif, a former anesthesiologist, didn’t completely exit the working world. Instead, he shifted to part-time work, allowing him to balance his profession with other interests. His story demonstrates that FIRE can mean a transition rather than a full stop, especially for those who derive satisfaction from their careers.
  5. Karsten Jeske of “Early Retirement Now”: Karsten achieved FIRE and left his corporate job, but he did not abandon his professional interests. He now devotes time to his blog, where he delves deep into financial topics, showcasing that FIRE can pave the way for more specialized and passion-driven endeavors.

These bloggers exemplify the diverse trajectories that life can take post-FIRE. For many, achieving financial independence is not about eliminating work but redefining it. It’s about transitioning from obligatory employment to pursuits that resonate more deeply with personal interests, passions, and life goals. The freedom that comes with FIRE often leads to some of the most productive and fulfilling “work” phases in an individual’s life.

FIRE movement myths: One size fits all

Myth #4: FIRE is a One-Size-Fits-All Approach

The notion that there’s a single, standardized path to achieving FIRE is a misinterpretation. In reality, the FIRE movement is diverse, accommodating varied lifestyles, risk tolerances, and financial goals. It’s more of a framework than a strict formula, allowing individuals to tailor the journey to their unique circumstances and values.

Examples of Bloggers Who Debunk This Myth

  1. Angela Rozmyn of “Tread Lightly, Retire Early”: Angela’s approach to FIRE intertwines with her commitment to sustainability and community involvement. Her story highlights that FIRE can be customized to align with personal values, such as environmental consciousness, rather than just financial metrics.
  2. Kiersten and Julien Saunders of “Rich & REGULAR”: This duo showcases that FIRE is accessible to people from diverse backgrounds and lifestyles. Their narrative emphasizes the importance of cultural context in financial decisions and underscores that there isn’t a one-size-fits-all approach to achieving financial independence.
  3. Gwen of “Fiery Millennials”: As a millennial, Gwen offers insights into achieving FIRE amidst challenges particular to her generation, like student loans and a changing job landscape. Her path demonstrates that FIRE can be adapted to address generational-specific financial hurdles.

These bloggers, with their distinct backgrounds and life stories, shed light on the adaptable nature of the FIRE movement. They highlight that while the core principles of saving, investing, and intentional living remain consistent, the strategies and nuances can be tailored. Whether it’s integrating sustainability, addressing cultural challenges, navigating generational hurdles, or weaving in international elements, the journey to financial independence can be as unique as the individual pursuing it.

FIRE movement myths: investing is risky

Myth #5: Investing for FIRE is Extremely Risky

A misconception that frequently surrounds the FIRE movement is that it involves risky, aggressive investment strategies to achieve rapid wealth accumulation. In reality, many FIRE advocates emphasize well-researched, diversified, and long-term investment approaches. They often prioritize stability and consistent growth over high-risk, high-reward gambits.

Examples of Bloggers Who Debunk This Myth

  1. JL Collins of “The Simple Path to Wealth”: JL Collins is a staunch advocate for index fund investing, a strategy built around diversified exposure to the market without trying to “beat” it. His advice is rooted in the idea of minimizing fees, reducing complexity, and embracing a long-term perspective. By advocating for this straightforward and relatively low-risk investment method, he shows that you don’t need to gamble your savings to achieve FIRE.
  2. Mr. Money Mustache: Perhaps one of the most famous names in the FIRE community, Mr. Money Mustache emphasizes the value of a simple, frugal lifestyle combined with wise investing. His investment strategy is straightforward and leans toward low-cost index funds, demonstrating that one doesn’t need high-risk investments to retire early.
  3. Darrow Kirkpatrick of “Can I Retire Yet?”: Darrow, having retired at 50, delves deep into retirement finance, using his experience in engineering to apply a methodical approach. He promotes diversification across asset classes and often discusses more conservative investment strategies like bond ladders, emphasizing the importance of capital preservation in early retirement.
  4. Liz from “Chief Mom Officer”: Liz’s journey to FIRE involves a blend of real estate and stock market investments. While she discusses the potential benefits of real estate as an investment vehicle, she also emphasizes the importance of thorough research, understanding the risks, and being prepared for potential downturns, showcasing a measured and informed approach to wealth building.

These bloggers, with their varied yet thoughtful investment strategies, demonstrate that the path to FIRE doesn’t necessitate taking extreme financial risks. Instead, a combination of informed decision-making, diversification, patience, and long-term vision can lead to financial independence and early retirement.

FIRE movement myths: single, no children

Myth #6: FIRE is Only for Single, Child-Free Individuals

One of the stereotypes attached to the FIRE community is that the lifestyle and stringent savings necessary for early retirement are only feasible for single individuals without the responsibilities of a family. However, numerous FIRE bloggers and advocates with families prove this misconception wrong.

Examples of Bloggers Who Debunk This Myth

  1. Steve and Courtney of “Think Save Retire”: This couple’s journey to FIRE, and subsequently living in an Airstream, showcases that achieving financial independence with a partner is not only possible but can be a shared dream that strengthens a relationship. They’ve discussed the challenges and rewards of pursuing FIRE as a couple and the compromises and teamwork that come with it.
  2. Mark and Tanja of “Our Next Life”: This couple’s story involves both partners actively working towards their FIRE goals. They not only share financial strategies but also delve into the emotional and relational aspects of pursuing financial independence as a unit.
  3. Jonathan and Brad of “ChooseFI”: Both being family men, they regularly discuss the intricacies of aiming for FIRE while managing familial responsibilities. From planning for college savings to family vacations on a budget, they offer a balanced view of how FIRE can coexist with family life.
  4. Jess and Corey of “The Fioneers”: While on their journey to financial independence, they highlight the importance of balancing present happiness with future financial goals, especially in the context of a relationship. Their story underscores that FIRE doesn’t require sacrificing every immediate joy but rather calls for intentional decision-making as a couple.
  5. Emma Pattee of “Bitches Get Riches”: Emma’s narrative brings forth the perspective of a young mother aiming for FIRE. She discusses the challenges of balancing the costs of raising a child with the drive to achieve financial independence and offers insights into how to make both work.

These bloggers demonstrate that the journey to FIRE can be undertaken at any life stage and within various family structures. Whether you’re single, in a partnership, or raising kids, the principles of financial independence are adaptable and can be integrated into diverse life scenarios. The FIRE journey might look different for a family of four compared to a single individual, but it’s by no means an unattainable goal. It’s all about adjusting the approach according to individual circumstances and priorities.

FIRE movement myths: US only

Myth #7: The FIRE Movement is Only for People Who Live in the US

The perception that the FIRE (Financial Independence Retire Early) movement is exclusive to those residing in the US is a common misconception. While it’s true that many of the most vocal and popular figures in the FIRE community are based in the US, the core principles of FIRE are universally applicable, transcending borders and cultures.

Reality Behind the Myth

The essence of FIRE – saving a substantial portion of your income, investing wisely, and living below your means – can be adapted to almost any socio-economic context. Of course, every country or region will have its unique challenges and advantages when it comes to pursuing FIRE, such as differences in cost of living, investment opportunities, taxation, and social safety nets.

However, the global digital age has made the world more connected than ever, allowing the FIRE message to spread and be adapted by individuals in different countries, each tailoring the principles to their specific circumstances.

Examples of Bloggers Who Debunk This Myth

  1. Aussie Firebug: An Australian blogger who details his journey towards financial independence. His blog provides insights into investing in Australia, the Australian real estate market, and strategies adapted to the Australian financial landscape.
  2. Tawcan: A Canadian-based blogger, Tawcan dives into the pursuit of happiness, financial independence, and a meaningful life. His discussions on Canadian tax systems, investment vehicles, and other country-specific financial nuances offer valuable insights for those outside the US.
  3. UK Value Investor: Focusing primarily on dividend investing in the UK, this blog provides insights on achieving financial independence in the British financial landscape, discussing topics like ISAs, UK stocks, and more.
  4. Retire Japan: Written by a British expat living in Japan, this blog is all about personal finance and financial independence in the Japanese context. It touches on topics like Japanese pension systems, investment options, and other local financial considerations.
  5. Cheesy Finance: A Dutch couple’s journey to financial independence. They delve into the specifics of managing finances, investing, and saving in the Netherlands, providing a European touch to the FIRE journey.
  6. FiLife SG: Offering a perspective from Singapore, this blog discusses the intricacies of achieving FIRE in a high-cost city-state, tackling topics like Singapore’s Central Provident Fund (CPF), local real estate, and more.

In conclusion, while the FIRE movement might have gained significant traction in the US initially, it’s a global phenomenon with adherents from all corners of the world. Each blogger or advocate brings their unique regional twist, proving that the dream of financial independence and early retirement is not confined to any one country or culture.

FIRE movement myths: recent fad

Myth #8: FIRE is a Recent Fad that Won’t Last

The perception of the FIRE (Financial Independence Retire Early) movement as a modern trend or passing fancy is one shared by many, especially those only recently introduced to the concept. Given the recent explosion in blogs, podcasts, and media articles about FIRE, it’s easy to assume it’s just the latest in a line of financial trends.

Reality Behind the Myth

The principles upon which the FIRE movement stands are anything but new. The concepts of living below one’s means, saving a significant portion of one’s income, and investing wisely have been pillars of sound financial management for centuries. What’s “new” is the cohesive community and the abundance of shared online resources centered around these principles.

In essence, FIRE is the modern embodiment of age-old financial wisdom. The movement’s core tenets can be found in classic financial literature, like “The Richest Man in Babylon” by George S. Clason or “Your Money or Your Life” by Vicki Robin and Joe Dominguez, a book that many consider one of the foundational texts of the FIRE movement.

Examples of Bloggers Who Debunk This Myth

  1. Vicki Robin: While not a blogger in the traditional sense, Vicki is a vital figure in the FIRE community due to her aforementioned book, “Your Money or Your Life.” The book, first published in 1992, well before “FIRE” was a buzzword, lays out a program for financial independence that many FIRE enthusiasts follow today.
  2. JL Collins: His blog and subsequent book, “The Simple Path to Wealth,” emphasize long-term stock market investing and the power of compound interest, concepts that have been around for decades. His approach to financial independence is grounded in time-tested investment strategies, far from being a mere “fad.”
  3. Mr. Money Mustache: Often considered one of the faces of the modern FIRE movement, MMM consistently references age-old practices of frugality, simplicity, and intentionality in his writings, showing that the principles he advocates are deeply rooted in historical financial wisdom.
  4. Early Retirement Extreme: Run by Jacob Lund Fisker, this blog takes a very analytical and philosophical approach to FIRE, frequently drawing on historical and even ancient methods and mindsets about living frugally and sustainably.
  5. The Financial Samurai: Having been around since 2009, this blog delves into a range of financial topics, often emphasizing the longevity and permanence of core FIRE principles in achieving financial independence.

In conclusion, while the term “FIRE” and its widespread popularity on digital platforms might be relatively recent, the fundamental principles and concepts underpinning the movement are longstanding. Those who delve into the teachings and stories shared by notable figures in the FIRE community will quickly see that its foundation is built on enduring financial wisdom, not a fleeting trend.

FIRE movement myths: healthcare expenses

Myth #9: Healthcare Expenses Make FIRE Impossible

One of the chief concerns that critics often voice about the FIRE movement, especially in countries like the U.S. with high healthcare costs, is the feasibility of covering medical expenses. The myth asserts that as healthcare costs continue to rise, anyone pursuing FIRE is setting themselves up for financial failure in the future, especially if they encounter significant health challenges.

Reality Behind the Myth

While healthcare is undeniably a significant consideration, especially for those in countries without universal healthcare, FIRE enthusiasts typically don’t approach it blindly. Financial independence requires comprehensive planning, and that includes future healthcare expenses.

Many FIRE advocates:

  1. Factor healthcare into their FIRE number: This means they don’t just aim for a number that covers daily living expenses but also anticipate future healthcare costs.
  2. Leverage Health Savings Accounts (HSAs): In the U.S., HSAs offer triple tax advantages and can be used to cover medical expenses in retirement.
  3. Opt for High-Deductible Health Plans: These can be more affordable in terms of monthly premiums and pair well with HSAs.
  4. Consider Medical Tourism: For non-emergency procedures, some FIRE advocates consider getting treatment in countries where medical care is of high quality yet more affordable.
  5. Stay Health-Conscious: Many FIRE enthusiasts prioritize a healthy lifestyle, which can potentially lead to fewer health issues down the road.

Examples of Bloggers Who Debunk This Myth

  1. Go Curry Cracker: Jeremy and Winnie, the couple behind this blog, have written extensively about their healthcare strategy post-FIRE. They’ve explored options from ACA plans to medical tourism, providing real-world examples of how they manage healthcare costs while being retired early.
  2. The Mad Fientist: Brandon has delved deep into the intricacies of HSAs and how they can be a powerful tool for those pursuing FIRE, especially when considering healthcare costs in retirement.
  3. Our Next Life: Tanja Hester, the writer behind this blog, often discusses the challenges and solutions surrounding healthcare in early retirement. She provides a balanced perspective, weighing the pros and cons of different healthcare strategies for those in the FIRE community.
  4. Root of Good: Justin, who retired at 33, provides a transparent look at his family’s annual expenses, including healthcare. His posts offer insights into how a FIRE family manages healthcare costs while maintaining a tight budget.
  5. Retire by 40: Joe, the blogger, has discussed the importance of factoring in healthcare costs when planning for FIRE and offers practical insights based on his family’s experience and choices.

In conclusion, while healthcare is a genuine concern for many, especially in countries with high medical costs, it is by no means an insurmountable obstacle for those pursuing FIRE. With careful planning, research, and flexibility, many in the FIRE community have found ways to ensure they’re covered without compromising their financial independence.

FIRE movement myths: Only for the young

Myth #10: FIRE is Only for the Young

There’s a stereotype that the FIRE movement is exclusively for those in their 20s and 30s, aiming to retire by 40. However, FIRE principles are applicable at any age, and there are many individuals who began their FIRE journey later in life and still achieved financial independence.

Examples of Bloggers Who Debunk This Myth

  1. Lyn Alden of “Lyn Alden Investment Strategy”: While Lyn is often associated with younger faces of the FIRE movement due to her extensive knowledge, she frequently emphasizes that the principles she discusses are applicable across all age groups. Her focus on long-term strategic investing showcases that it’s never too late to improve one’s financial situation.
  2. Darrow Kirkpatrick of “Can I Retire Yet?”: Darrow started his serious saving and investing in his 30s and managed to retire by his early 50s. His blog serves as a testament that even if one starts a bit later, with the right strategies and discipline, FIRE is still within reach.
  3. Wendy and Tim of “Million Dollar Journey”: Wendy began her FIRE journey in her late 30s and, alongside her husband Tim, has shown that diligent planning, saving, and investing can lead to financial independence even if started later than the stereotypical FIRE advocate.
  4. Bob of “Satisfying Retirement”: Bob offers a perspective from someone who embraced the tenets of FIRE closer to traditional retirement age. His blog provides valuable insights for those looking to achieve a satisfying retirement, emphasizing that the principles of financial independence are relevant, irrespective of when you start.
  5. Edd and Cynthia of “Retire Early Lifestyle”: This couple began their early retirement journey in their late 30s and retired in their early 50s. Their narrative spans decades and offers insights into how FIRE principles can be applied throughout various life stages.

These bloggers and their journeys underscore that FIRE is not restricted by age. Whether someone stumbles upon the concept in their 20s, 40s, or even later, the principles of living below one’s means, investing wisely, and prioritizing financial freedom remain the same. While the timelines and strategies might differ based on age, the core tenets are universally applicable. It’s less about the age when you start and more about the commitment and discipline you bring to the journey.

About Me

I am an engineer with 15+ years in the tech industry, including roles at Google, Amazon, and Microsoft. I've been a Software Engineer, Product Manager, and Technical Program Manager. I also have an MBA from Kellogg School of Management with Majors in Finance and Marketing.

What drives me? A passion for empowering engineers to achieve Financial Independence and Retire Early (FIRE). I reached FIRE, when I turned 40 years old. Whether it's through personal finance strategies or career insights, I'm here to guide you on this path. Have questions or need advice? Feel free to reach out!

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