Percolation is how I would describe the front-loading of Coast FIRE.

https://www.gocurrycracker.com/percolate-your-portfolio-guest-post/

I know it from Finance, but if there's a deeper meaning in chemistry or other fields, similar to autocatalyis, I couldn't say.

I do think the MMM chart has a weakness related to expenses. If you did ERE and cut your expenses to sub $10k or $7k your retirement number would be completely off. Unless you planned to continue living that frugally.

For me that was the chart's strength. Since I use spending plan allocations, I just need ranges to set up the allocations. If I expect them higher at retirement, I can make them higher and the allocations are simply different. One set for the savings years and one set for retirement.

Those allocations first go through Profit First for work and business.

So, that's an income account: then moved into the Profit, Taxes, Owner's Pay and Operational Expenses accounts.

Then Owner's Pay moves into Finance for the People allocations: Fun & BS, Bills & Life, and Future & Goals.

How do you picture the expenses at 50%? 50% savings rate or 50% into the FIRE journey? We have a ton of great FIRE groups in Colorado, but unfortunately not the Cities I've lived in. I haven't been able to connect with others on their processes and approaches. Maybe, later into the FIRE journey the chart would break down?

You help engineers with FIRE?