Fat FIRE Guide
What is Fat FIRE?
Fat FIRE is financial independence with a comfortable, higher-spending lifestyle — typically $100,000+ per year in discretionary spending.
The idea
Fat FIRE keeps the freedom of early retirement without sacrificing comfort. Travel, dining, hobbies, and family experiences remain fully funded, and there's substantial margin for unexpected expenses.
The math
At $120,000/year in expenses, Fat FIRE requires roughly $3,000,000 invested. Reaching it typically requires higher income, longer careers, or strong equity compensation.
Who chooses it
Fat FIRE appeals to those who value both financial independence and lifestyle continuity. It reduces sequence-of-returns risk and provides room to absorb inflation without lifestyle cuts.