Guides
In-depth guides to FIRE, net worth, and smarter personal finance.
FIRE
Reach financial independence and retire early.
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Chubby FIRE
Chubby FIRE is financial independence on roughly $100,000 to $150,000 of annual spending, putting the target portfolio at $2.5 million to $3.75 million.
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Fat FIRE
Fat FIRE is financial independence on a generous budget, usually $150,000 or more of annual spending, which puts the target portfolio at $3.75 million and up.
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Lean FIRE
Lean FIRE is financial independence on a minimal budget, usually $25,000 to $40,000 of annual spending, putting the target portfolio at $625,000 to $1 million.
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Coast vs Barista FIRE
Coast FIRE lets you stop saving while working full-time. Barista FIRE lets you quit full-time and cover the gap part-time. The formulas, side by side.
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Barista FIRE
Barista FIRE lets you leave full-time work years early by covering part of your spending with part-time income. The math, and how it compares to Coast FIRE.
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FIRE Variants
FIRE is not one finish line. How Coast, Barista, Lean, Fat, and Chubby FIRE actually differ, with the target number behind each one.
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Coast FIRE
Coast FIRE is the point where your savings will grow into a full retirement on their own, even if you never save again. The math and your number by age.
Retirement
Plan the drawdown years and make your money last.
Net worth
Measure and compare what you are worth.
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Liquid Net Worth
Liquid net worth is what you could convert to cash within days, minus all debts: home equity excluded, retirement accounts discounted 20 to 30 percent.
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Net Worth by Age
The median American household net worth by age, based on Federal Reserve data. See where you stand at the 25th, 50th, 75th, 90th, and 99th percentiles.