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Your Net Worth
Glossary

Coast, Lean and Fat FIRE

Coast, Lean and Fat FIRE are variations of the FIRE movement that trade lifestyle spending against how much capital you need.

Lean FIRE means retiring on a frugal budget, which needs a smaller pot but a simpler lifestyle. Fat FIRE means retiring with a generous budget, which needs a much larger pot.

Coast FIRE is different. You save enough early in life that your portfolio can grow to your target by a normal retirement age without further contributions. After that point you only need to cover current living costs, not save more.

Barista FIRE sits somewhere in the middle: you leave a high-pressure career but keep a part-time or lower-paid job for income and perhaps benefits. The right variant depends on your spending, your health, and how much flexibility you want.