Not all FIRE paths are created equal. Here’s how to choose yours.
Coast FIRE
Coast FIRE: you’ve invested enough that compound growth alone funds retirement at 65. Stop saving aggressively, cover expenses with any work. Use the Coast FIRE Calculator.
Barista FIRE
Barista FIRE: portfolio covers most expenses, part-time work covers the gap. At $50K expenses + $15K part-time income, you need $875K instead of $1.25M.
Lean FIRE
Lean FIRE: financial independence on under $40K/year. FIRE number: $1M. Fastest path but tightest budget.
Fat FIRE
Fat FIRE: $100K+ spending = $2.5M+ portfolio. Full lifestyle, no compromise. Understand the safe withdrawal rate.
Read: What actually works for withdrawal.
Model any FIRE path in Richify. App Store | Google Play
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