What is FIRE?

Financial Independence, Retire Early

The revolutionary movement that's helping millennials and Gen Z break free from the traditional work-until-65 mindset

The FIRE Movement Explained

FIRE stands for Financial Independence, Retire Early. It's a lifestyle movement focused on extreme savings and investment to allow for retirement or financial freedom much earlier than traditional retirement age—often in your 30s, 40s, or 50s.

🎯 The Core Principle

Save and invest 25x your annual expenses. Once you reach this number, you can safely withdraw 4% annually (adjusted for inflation) and never run out of money. This is based on the Trinity Study and decades of market data.

Why FIRE? The Modern Financial Reality

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78% of Americans

Live paycheck to paycheck

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$1.75 trillion

Total student loan debt

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7x income

Average home price ratio

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67 years old

Traditional retirement age

The 5 Types of FIRE

FIRE isn't one-size-fits-all. There are different approaches depending on your lifestyle goals and comfort level:

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Traditional FIRE

The balanced approach: Retire with a comfortable middle-class lifestyle

Learn more → 🌱

Lean FIRE

Minimalist living: Achieve FI faster with lower expenses

Learn more → 💎

Fat FIRE

Luxury retirement: Higher savings for a more affluent lifestyle

Learn more → 🏖️

Coast FIRE

Front-load savings: Let compound interest do the heavy lifting

Learn more → ☕

Barista FIRE

Semi-retirement: Work part-time for benefits and fulfillment

Learn more →

The FIRE Formula: Simple Math, Powerful Results

Step 1: Calculate Your FIRE Number

Annual Expenses × 25 = FIRE Number

Example: $40,000/year × 25 = $1,000,000

Step 2: Save Aggressively

Save 50-70% of Income

The higher your savings rate, the faster you reach FI

Step 3: Invest Wisely

Low-Cost Index Funds

Let compound interest work its magic over time

Is FIRE Right for You?

✅ FIRE Might Be for You If:

  • You value time freedom over material possessions
  • You're willing to live below your means
  • You enjoy optimizing and tracking finances
  • You have clear life goals beyond traditional work
  • You're disciplined and patient

❌ FIRE Might Not Be for You If:

  • You find fulfillment in traditional career paths
  • You prefer spending over saving
  • You have significant debt or low income
  • You're not interested in investing
  • You need external structure and routine

Ready to Start Your FIRE Journey?

Calculate your FIRE number and see how long it will take you to achieve financial independence.

Calculate Your FIRE Number Explore FIRE Types