FIRE Family
When can you stop working?
Four flavors of financial independence — same compounding math, different lifestyle bets.
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Coast FIRE
When can you stop saving and let compounding do the rest?
Best if you want to know how soon further saving becomes optional.
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Standard FIRE
The classic 25× expenses target — full retirement, today's spending.
Best if you want a single all-in retirement number.
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Lean FIRE
Minimal-expenses early retirement — $25–40k/yr lifestyles.
Best if you'd trade lifestyle for an earlier exit.
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Barista FIRE
Portfolio plus part-time income jointly cover expenses.
Best if you want a downshift, not a full stop.
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Fat FIRE
Retire early on an above-average budget — $100k+/yr — without cutting spending. The same 25× math on a bigger number.
Best if your income is high enough to fund both the lifestyle and the saving.