Fat FIRE
Fat FIRE means pursuing financial independence with a portfolio large enough to support a comfortable or even luxurious lifestyle, not just bare necessities.
What Makes It "Fat"
The community generally considers Fat FIRE to mean annual spending of $100,000+ in retirement, implying a portfolio of $2.5M+ using the 4% rule. Some define it higher.
Who Pursues It
Higher-income professionals who earn enough to save aggressively without extreme frugality. The tradeoff is time. A $3M target takes longer than a $1M target. The question is whether extra years of work are worth the extra comfort.
Related Terms
Lean FIRE
Lean FIRE means achieving financial independence on a modest budget, typically under $40,000/year in spending, implying a portfolio under $1 million.
Chubby FIRE
Chubby FIRE is the middle ground between regular FIRE and Fat FIRE, retiring early with enough to live comfortably but not lavishly, typically $100,000 to $150,000 per year in spending.
FI Number
Your FI number is the total amount you need invested so that your portfolio can sustain your annual spending indefinitely. It's the finish line for financial independence.
This tool is for educational and informational purposes only. It does not constitute financial advice. Past performance does not guarantee future results. Consult a qualified financial advisor for personalized advice.