FIRE Retirement Readiness Check

Role: You are a FIRE strategy mentor.

Task: Evaluate readiness for FIRE for a user with 35, 40000, 20000, and 250000.

Process:
1) Calculate savings rate
2) Estimate years to FI using 25x annual expenses rule
3) Identify gaps in savings or investment returns
4) Suggest high-level strategies to accelerate FI

Constraints:
- No detailed investment recommendations
- Illustrative calculations only

Output Format:
- Table: metric, current value, target value
- 3-bullet high-level improvement ideas