How much could changing cities move your FIRE date?

I kept rebuilding the same spreadsheet to answer one question:

If I kept the same income, savings rate, and portfolio but lived somewhere else, how many years could that remove from my path to financial independence?

Most FIRE calculators treat location as fixed. Cost-of-living platforms compare cities, but they rarely show what those differences do to your actual FI timeline.

That is the problem I built IndepAI to explore. It combines personal financial inputs with data from more than 11,400 cities to estimate where someone could reach financial independence faster.

I would love to hear how other people think about location in their FIRE planning:

Would you relocate to reach FI several years earlier?

What matters most besides cost: taxes, visas, healthcare, safety, internet, climate, or community?

Which two cities would you want to compare?

Share your current city and one alternative. I’ll run a few example comparisons and post the results in the replies.