Naz Avo

Naz Avo is a 32-year-old Ukrainian who has achieved early retirement through the FIRE (Financial Independence, Retire Early) method. By living frugally and investing a significant portion of his software developer salary—between 60% to 70%—in low-maintenance financial instruments like ETFs, bonds, and stocks, he has managed to secure a lifestyle free from the constraints of traditional employment. Now living on a beach in Thailand, Avo's story highlights the potential benefits and risks of the FIRE movement, as well as the challenges of maintaining financial stability over a long retirement period.