#Gradual Retirement
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The Pension Bridge Gap: Actuarial Reality, Compliance, and FIRE Strategies Under Gradual Retirement Reform
As the gradual retirement reform raises the minimum contribution threshold to 20 years by 2030, early-retired FIRE practitioners face a 20-year pension bridge gap. With proxy-payment schemes now criminalized and third-pillar accounts strictly locked, mastering minimum compliant health coverage and cross-cycle liquid assets is the only viable defense.