FIRE Number for Miami, United States

A modest apartment in Hialeah or Kendall, well outside the beach and Brickell areas. You need a car, and housing costs eat up nearly half the budget. Cuban ventanitas and food trucks keep dining cheap, and the beach is free. Florida's zero state income tax is a real advantage at this budget level -- every dollar of your $3,333 monthly withdrawal stays with you. Summer A/C bills are a significant expense, but you never pay for heat.

A nice house in Coconut Grove or a waterfront condo in Brickell. You dine at good restaurants regularly, drive a late-model car, and have budget for boat rental days on Biscayne Bay and weekend trips to the Keys. At $10,000 a month with no state income tax, Miami is genuinely comfortable. Art Basel events, Heat season tickets, and a premium gym membership all fit within the budget.

A large residence on Fisher Island or a penthouse in a luxury Brickell tower. You have a full-time housekeeper, a cook who comes in several times a week, and a personal assistant. You dine wherever you want, travel first class, and own a boat for day trips on Biscayne Bay. Florida's zero state income tax means the full $33,333 monthly budget is available for spending. The lifestyle is wealthy and comfortable, with year-round warm weather and easy access to the Caribbean.