Key Takeaway: Lean FIRE needs $750K (10-15 yrs), Regular FIRE needs $1.5M (15-20 yrs), Fat FIRE needs $3.75M (20-30 yrs), Coast FIRE needs $250-500K saved early.
The FIRE Spectrum
FIRE isn't one strategy — it's a spectrum from ultra-frugal to ultra-luxurious.
Lean FIRE 🏕️
Annual spending: $25-40K | FIRE Number: $625K-$1M For minimalists and frugal people. Cook at home, used cars, low-cost area. Achievable in 10-15 years but little room for error.
Fat FIRE 🏰
Annual spending: $100-200K+ | FIRE Number: $2.5M-$5M For high earners wanting luxury. Travel business class, nice neighborhoods, premium everything. Takes 20-30 years.
Coast FIRE ⛵
Save $250K by 30, let it grow to $2.5M by 60 at 8% — without adding another dollar. After 30, only earn enough for today. Reduces pressure, allows career flexibility.
Barista FIRE ☕
Save $500K by 40, take a part-time job earning $25K/year for expenses. $500K grows untouched to $2.3M by 65. Work is optional, low stress.
Global FIRE Numbers
🇺🇸 USA: Lean $750K | Regular $1.5M | Fat $3.75M • 🇬🇧 UK: Lean £500K | Regular £1M | Fat £2.5M • 🇦🇺 Australia: Lean A$750K | Regular A$1.5M | Fat A$3.75M • 🇮🇳 India: Lean ₹75L | Regular ₹1.5Cr | Fat ₹3.75Cr