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1. Shard Calculation

Query:

Response:

Calculated Shard: 148 (from laksa059)

2. Crawled Status Check

Query:

curl -X POST \
  'http://laksa148.int.ahrefs:8124/' \
  -H 'Content-Type: text/plain' \
  -H 'X-ClickHouse-Database: crawler3' \
  -H 'Authorization: Basic YXBpOg==' \
  -d 'SELECT getAhrefsURLFromUnparsed(src_unparsed) AS found_url, ifNull(toUnixTimestamp(download_stamp), 0) AS crawl_time, ifNull(toUnixTimestamp(props_url_first_seen), 0) AS first_indexed_time, download_http_code AS http_code, src_unparsed AS src_unparsed, src_root_hash AS src_root_hash, history_drop_reason AS history_drop_reason, meta_title AS meta_title, meta_descriptions AS meta_descriptions, attrs_boilerpipe_text AS attrs_boilerpipe_text, attrs_markdown AS attrs_markdown, attrs_readable_markdown AS attrs_readable_markdown, meta_canonical AS meta_canonical FROM crawler3.page_info_local FINAL PREWHERE (src_root_hash, src_unparsed) IN ((getAhrefsRootHashFromUnparsed(getAhrefsUnparsedNoserviceFromURL(\'https://www.bankrate.com/retirement/different-types-of-fire-movement/\')), getAhrefsUnparsedNoserviceFromURL(\'https://www.bankrate.com/retirement/different-types-of-fire-movement/\'))) FORMAT JSONEachRow'

Response:

{"found_url":"https:\/\/www.bankrate.com\/retirement\/different-types-of-fire-movement\/","crawl_time":1775762358,"first_indexed_time":1706913426,"http_code":200,"src_unparsed":"com,bankrate!www,\/retirement\/different-types-of-fire-movement\/ s443","src_root_hash":"16841441868536461148","history_drop_reason":null,"meta_title":"5 Different Types Of FIRE | Bankrate","meta_descriptions":["As the FIRE movement has grown, so has the number of approaches to saving for an early retirement. Learn about Lean FIRE, Coast FIRE, Fat FIRE and more.","As the FIRE movement has grown, so has the number of approaches to saving for an early retirement. Learn about Lean FIRE, Coast FIRE, Fat FIRE and more."],"attrs_boilerpipe_text":"Early retirement may sound like a pipe dream, but for members of a growing movement, it’s the goal.\nThe\nFinancial Independence, Retire Early movement\n, also known as FIRE, is made up of people who hope to build up enough wealth that they can ditch their jobs long before they reach traditional retirement age.\nAlthough the movement has attracted critics, with skeptics arguing that FIRE members are making big sacrifices now for their future, it’s also gained a loyal following. With that increased popularity has come an expansion of the original idea, giving rise to new types of FIRE savers.\nHere are 5 different types of FIRE.\nWhat is the FIRE movement?\nMuch of the FIRE movement comes down to two strategies for building wealth: saving and investing, and limiting spending.\nParticipants typically calculate their\nFIRE number\n— the amount of money they’ll need to save to support their lifestyle in retirement — by multiplying their expected annual expenses in retirement by 25. The calculation is based on the\n4% rule\n, which suggests retirees can safely withdraw 4 percent of their portfolio value annually.\nMany FIRE participants plan to reach their goal and retire as soon as their 30s or 40s.\nBut the traditional FIRE movement isn’t for everyone. Jannese Torres, a Latina money educator, found that when she first learned about the FIRE movement, the number she calculated for herself was daunting. She opted for a version of FIRE that involves creating multiple income streams to replace the paycheck you’ve been using to sustain your lifestyle. This is called Cash flow financial independence.\n“There are a lot of different flavors of the FIRE movement,” Torres says.\nWhat are different kinds of FIRE?\nThere are numerous approaches to FIRE. Here are a few:\nLean FIRE\n: If you’re planning to have lower-than-average expenses in retirement, you may want to consider Lean FIRE. This approach is typically for minimalists who can live off a lot less money than others, and who plan to do so in the future. While you may be able to get to your savings goal faster via Lean FIRE, you likely won’t have much room for spending beyond strict necessities.\nCoast FIRE\n: Savers who implement the Coast FIRE approach aren’t necessarily trying to retire early. They focus on saving and investing enough money that eventually they can stop making contributions but still watch their money grow. In other words, they’ll be able to “coast” into retirement.\nFat FIRE\n: If you’re hoping for lavish vacations, lots of eating out and shopping in retirement, Fat FIRE may be the method for you. It requires saving and investing aggressively so that you don’t have to limit your spending in retirement. Understandably, it’s one of the more challenging approaches to gaining financial freedom since you’re aiming for a high annual expenditure in retirement.\nBarista FIRE\n: The FIRE movement\ndoesn’t require earning six figures\nand it doesn’t have to mean saving for total retirement. Instead, some people use the Barista FIRE approach to save now so they can work part-time or more relaxed jobs later in life. They may want to replace their traditional nine-to-five gig for a few hours of work a week as a barista, for example, hence the name.\nCash flow financial independence\n: This approach, also called Cashflow FI, focuses on generating income streams — with some of them ideally being passive income streams — to cover living expenses, Torres says.\nWho is FIRE for?\nThe FIRE movement is for those who are willing to purposefully save, invest and limit their spending now in order to give themselves more flexibility later.\n“For most people, it’s really just about wanting more autonomy and freedom over their lives,” Torres says.\nTraditionally, the FIRE movement has been for people who want to retire early. While many FIRE participants still hope to ditch their day jobs before they hit age 65, others are simply hoping to give themselves more freedom by working less. There are many ways to apply aspects of the FIRE strategy to personal finances, even if you don’t want to follow the “rules” of the movement to a tee.\n“There are elements of financial independence that we can build into our lives even if we’re not 100% financially independent,” Torres says.\nFIRE’s growth has also made room for more\ndiverse voices\nwithin the movement.\nBottom line\nFIRE is a way to gain financial freedom and possibly early retirement by saving, investing and cutting expenses. As the movement has grown, various types of the approaches have developed. Lean FIRE, Coast FIRE, Fat FIRE and Barista FIRE are just four flavors of the FIRE movement.\nDid you find this page helpful?\nInfo Icon\nHelp us improve our content","attrs_markdown":"[Skip to Main Content](https:\/\/www.bankrate.com\/retirement\/different-types-of-fire-movement\/#main-content)\n\n{closeNav(); \\$refs.siteNavMenuButton.focus();}\"\\>\n\n- [Banking](https:\/\/www.bankrate.com\/banking\/)\n  All\n  \n  Banking\n  \n  Checking & savings\n  \n  CDs\n  \n  Money market\n  \n  Banks\n  \n  [Explore all banking resources](https:\/\/www.bankrate.com\/banking\/)\n  \n  Banking\n  \n  Compare accounts\n  \n  - [Best high-yield savings accounts](https:\/\/www.bankrate.com\/banking\/savings\/best-high-yield-interests-savings-accounts\/)\n  - [Best checking accounts](https:\/\/www.bankrate.com\/banking\/checking\/best-checking-accounts\/)\n  - [Best free checking accounts](https:\/\/www.bankrate.com\/banking\/checking\/best-free-checking-accounts\/)\n  \n  Get guidance\n  \n  - [Savings calculator](https:\/\/www.bankrate.com\/banking\/savings\/simple-savings-calculator\/)\n  - 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[![](https:\/\/www.bankrate.com\/f\/102997\/1440x1440\/4c26764452\/how-to-start-saving.png\/m\/50x50\/filters:quality\$90\$:format\$webp\$) How to get a personal loan 11 min read](https:\/\/www.bankrate.com\/loans\/personal-loans\/how-to-get-personal-loan\/)\n  \n  Compare lenders\n  \n  - [Best auto loans](https:\/\/www.bankrate.com\/loans\/auto-loans\/rates\/)\n  - [Best auto loan refinance rates](https:\/\/www.bankrate.com\/loans\/auto-loans\/refinance-rates\/)\n  - [Best car loans for bad credit](https:\/\/www.bankrate.com\/loans\/auto-loans\/bad-credit-loans\/)\n  \n  Get guidance\n  \n  - [Auto loan resources](https:\/\/www.bankrate.com\/loans\/auto-loans\/)\n  - [Auto loan lender reviews](https:\/\/www.bankrate.com\/loans\/auto-loans\/reviews\/)\n  - [Auto loan calculator](https:\/\/www.bankrate.com\/loans\/auto-loans\/auto-loan-calculator\/)\n  - [Auto loan refinancing guide](https:\/\/www.bankrate.com\/loans\/auto-loans\/how-to-refinance-car-loan\/)\n  \n  - [![](https:\/\/www.bankrate.com\/f\/102997\/1440x1440\/d1a328a134\/auto-loan-refinancing-guide-nav.png\/m\/50x50\/filters:quality\$90\$:format\$webp\$) How to get the best auto loan rate 10 min read](https:\/\/www.bankrate.com\/loans\/auto-loans\/how-to-get-the-best-auto-loan-rate\/)\n  - [![](https:\/\/www.bankrate.com\/f\/102997\/720x720\/c481afa0d2\/auto-loan-refinancing-guide-s.jpg\/m\/50x50\/filters:quality\$90\$:format\$webp\$) Auto loan basics 5 min read](https:\/\/www.bankrate.com\/loans\/auto-loans\/what-is-an-auto-loan\/)\n  \n  Compare lenders\n  \n  - [Student loan rates](https:\/\/www.bankrate.com\/loans\/student-loans\/rates\/)\n  - [Student loan refinancing rates](https:\/\/www.bankrate.com\/loans\/student-loans\/refinance-rates\/)\n  - [Best bad credit student loans](https:\/\/www.bankrate.com\/loans\/student-loans\/bad-credit-loans\/)\n  \n  Get guidance\n  \n  - [Student loan resources](https:\/\/www.bankrate.com\/loans\/student-loans\/)\n  - [Student loan lender reviews](https:\/\/www.bankrate.com\/loans\/student-loans\/reviews\/)\n  - [Student loan calculator](https:\/\/www.bankrate.com\/loans\/student-loans\/student-loan-calculator\/)\n  - [Student loan refinance calculator](https:\/\/www.bankrate.com\/loans\/student-loans\/student-loan-refinance-calculator\/)\n  \n  - [![](https:\/\/www.bankrate.com\/f\/102997\/1440x1440\/3d6f458d84\/how-to-start-investing-nav-imagery.png\/m\/50x50\/filters:quality\$90\$:format\$webp\$) Private student loan basics 10 min read](https:\/\/www.bankrate.com\/loans\/student-loans\/private-student-loans-guide\/)\n  - [![](https:\/\/www.bankrate.com\/f\/102997\/1440x1440\/4c26764452\/how-to-start-saving.png\/m\/50x50\/filters:quality\$90\$:format\$webp\$) How to get a student loan 11 min read](https:\/\/www.bankrate.com\/loans\/student-loans\/how-to-get-student-loan\/)\n  \n  Compare lenders\n  \n  - [Best small business loans](https:\/\/www.bankrate.com\/loans\/small-business\/best-small-business-loans\/)\n  - [Bad credit small business loans](https:\/\/www.bankrate.com\/loans\/small-business\/bad-credit-business-loans\/)\n  - [Business lines of credit](https:\/\/www.bankrate.com\/loans\/small-business\/business-line-of-credit\/)\n  - [Small business loan banks](https:\/\/www.bankrate.com\/loans\/small-business\/best-banks-for-small-business-loans\/)\n  \n  Get guidance\n  \n  - 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[Best HELOC lenders](https:\/\/www.bankrate.com\/home-equity\/heloc-lenders\/)\n  - [HELOC calculator](https:\/\/www.bankrate.com\/home-equity\/heloc-calculator\/)\n  - [What is a HELOC?](https:\/\/www.bankrate.com\/home-equity\/what-is-heloc\/)\n  - [Pros and cons of HELOCs](https:\/\/www.bankrate.com\/home-equity\/pros-cons-of-home-equity-lines\/)\n  - [Home equity lender reviews](https:\/\/www.bankrate.com\/home-equity\/reviews\/)\n  \n  - [![](https:\/\/www.bankrate.com\/f\/102997\/1440x1440\/e9e92b7729\/home-equity-heloc-guide-nav-imagery.png\/m\/50x50\/filters:quality\$90\$:format\$webp\$) What is home equity? 8 min read](https:\/\/www.bankrate.com\/home-equity\/what-is-home-equity\/)\n  - [![Home purchase](https:\/\/www.bankrate.com\/f\/102997\/1280x720\/98576f9f53\/home-purchase.jpeg\/m\/50x50\/filters:quality\$90\$:format\$webp\$) How to calculate home equity 6 min read](https:\/\/www.bankrate.com\/home-equity\/how-to-calculate-equity-in-your-home\/)\n  \n  Home equity loans\n  \n  Home equity loans let you borrow a lump sum at a fixed rate, based on how much of the home you own outright.\n  \n  [Home equity loan rates](https:\/\/www.bankrate.com\/home-equity\/home-equity-loan-rates\/)\n  \n  Get guidance\n  \n  - [What is a home equity loan?](https:\/\/www.bankrate.com\/home-equity\/what-is-home-equity-loan\/)\n  - [Home equity loan pros and cons](https:\/\/www.bankrate.com\/home-equity\/pros-cons-home-equity-loan\/)\n  - [Home equity loan requirements](https:\/\/www.bankrate.com\/home-equity\/requirements-to-borrow-from-home-equity\/)\n  - [HELOC vs home equity loan](https:\/\/www.bankrate.com\/home-equity\/home-equity-loan-vs-line-of-credit\/)\n  - [How to build home equity](https:\/\/www.bankrate.com\/home-equity\/how-to-build-equity-in-your-home\/)\n  \n  - [![](https:\/\/www.bankrate.com\/f\/102997\/721x720\/bad3fd8f56\/heloc-lender-reviews-s.jpg\/m\/50x50\/filters:quality\$90\$:format\$webp\$) Best home equity loan lenders Compare top home equity lenders](https:\/\/www.bankrate.com\/home-equity\/home-equity-loan-lenders\/)\n  - [![CD Rates](https:\/\/www.bankrate.com\/f\/102997\/1920x1080\/2654611691\/cd-rates.jpeg\/m\/50x50\/filters:quality\$90\$:format\$webp\$) Home equity calculator Calculate how much you can borrow](https:\/\/www.bankrate.com\/home-equity\/home-equity-calculator\/)\n  \n  [Explore all home equity resources](https:\/\/www.bankrate.com\/home-equity\/)\n- [Insurance](https:\/\/www.bankrate.com\/insurance\/)\n  All\n  \n  Insurance\n  \n  Auto insurance\n  \n  Home insurance\n  \n  Tools & reviews\n  \n  [Explore all insurance resources](https:\/\/www.bankrate.com\/insurance\/)\n  \n  Insurance\n  \n  Compare rates\n  \n  - [Car insurance quotes](https:\/\/www.bankrate.com\/insurance\/car\/car-insurance-quotes\/)\n  - [Best car insurance companies](https:\/\/www.bankrate.com\/insurance\/car\/best-car-insurance-companies\/)\n  - [Cheapest car insurance companies](https:\/\/www.bankrate.com\/insurance\/car\/cheap-car-insurance-companies\/)\n  - [Compare car insurance rates](https:\/\/www.bankrate.com\/insurance\/car\/average-cost-of-car-insurance\/)\n  \n  Popular states\n  \n  - [California](https:\/\/www.bankrate.com\/insurance\/car\/california\/)\n  - [Florida](https:\/\/www.bankrate.com\/insurance\/car\/florida\/)\n  - [Texas](https:\/\/www.bankrate.com\/insurance\/car\/texas\/)\n  - [Ohio](https:\/\/www.bankrate.com\/insurance\/car\/ohio\/)\n  - [Auto insurance by state](https:\/\/www.bankrate.com\/insurance\/car\/states\/)\n  \n  - [![Person smiling while sitting in car](https:\/\/www.bankrate.com\/f\/102997\/1440x1440\/5bfb00cc0b\/auto-insurance-by-state.png\/m\/50x50\/filters:quality\$90\$:format\$webp\$) How much is car insurance? Average cost of car insurance](https:\/\/www.bankrate.com\/insurance\/car\/average-cost-of-car-insurance\/)\n  - [![](https:\/\/www.bankrate.com\/f\/102997\/1440x1440\/20e5cbc3e7\/how-much-is-car-insurance-nav.png\/m\/50x50\/filters:quality\$90\$:format\$webp\$) Car insurance resources Learn more about car insurance](https:\/\/www.bankrate.com\/insurance\/car\/)\n  \n  Compare rates\n  \n  - [Home insurance quotes](https:\/\/www.bankrate.com\/insurance\/homeowners-insurance\/home-insurance-quotes\/)\n  - [Best home insurance companies](https:\/\/www.bankrate.com\/insurance\/homeowners-insurance\/best-home-insurance-companies\/)\n  - [Cheapest home insurance companies](https:\/\/www.bankrate.com\/insurance\/homeowners-insurance\/cheap-homeowners-insurance\/)\n  - [Best home and auto bundles](https:\/\/www.bankrate.com\/insurance\/car-and-home-insurance-bundle\/)\n  \n  Popular states\n  \n  - [California](https:\/\/www.bankrate.com\/insurance\/homeowners-insurance\/california\/)\n  - [Florida](https:\/\/www.bankrate.com\/insurance\/homeowners-insurance\/florida\/)\n  - [Texas](https:\/\/www.bankrate.com\/insurance\/homeowners-insurance\/texas\/)\n  - [New Jersey](https:\/\/www.bankrate.com\/insurance\/homeowners-insurance\/new-jersey\/)\n  - [Home insurance by state](https:\/\/www.bankrate.com\/insurance\/homeowners-insurance\/states\/)\n  \n  - [![](https:\/\/www.bankrate.com\/f\/102997\/1440x1440\/8af9dfc8a2\/home-insurance-by-state-nav-imagery.png\/m\/50x50\/filters:quality\$90\$:format\$webp\$) Home insurance cost Average cost of home insurance](https:\/\/www.bankrate.com\/insurance\/homeowners-insurance\/homeowners-insurance-cost\/)\n  - [![](https:\/\/www.bankrate.com\/f\/102997\/1440x1440\/e85a91b40b\/how-much-is-home-insurance-nav-imagery.png\/m\/50x50\/filters:quality\$90\$:format\$webp\$) Home insurance resources Learn more about home insurance](https:\/\/www.bankrate.com\/insurance\/homeowners-insurance\/)\n  \n  Calculators\n  \n  - [Car insurance calculator](https:\/\/www.bankrate.com\/insurance\/car\/car-insurance-calculator\/)\n  - [Home insurance calculator](https:\/\/www.bankrate.com\/insurance\/homeowners-insurance\/home-insurance-calculator\/)\n  \n  Get guidance\n  \n  - [Allstate insurance review](https:\/\/www.bankrate.com\/insurance\/reviews\/allstate\/)\n  - [Progressive insurance review](https:\/\/www.bankrate.com\/insurance\/reviews\/progressive\/)\n  - [State Farm insurance review](https:\/\/www.bankrate.com\/insurance\/reviews\/state-farm\/)\n  - [Travelers insurance review](https:\/\/www.bankrate.com\/insurance\/reviews\/travelers\/)\n  - [Lemonade insurance review](https:\/\/www.bankrate.com\/insurance\/reviews\/lemonade\/)\n  \n  - [![Design element two people looking at a car](https:\/\/www.bankrate.com\/f\/102997\/475x270\/8e81cf93f6\/insurance_best_car_insurance_companies.webp\/m\/50x50\/filters:quality\$90\$:format\$webp\$) All insurance company reviews Browse insurance carrier reviews](https:\/\/www.bankrate.com\/insurance\/reviews\/)\n  \n  [Explore all insurance resources](https:\/\/www.bankrate.com\/insurance\/)\n\n{ closeNav(); closeSearch(); }\" :class=\"{ 'is-active': isNavOpen \\|\\| (\\$el.dataset.showOnSearch === '1' && isSearchOpen) }\"\\>\n\n{ closeNav(); closeSearch(); }\" :class=\"{ 'is-active': isNavOpen \\|\\| (\\$el.dataset.showOnSearch === '1' && isSearchOpen) }\"\\>\n\n0; } } catch (error) { this.searchSuggestions = \\[\\]; this.showSearchAutocomplete = false; } } }\" data-beam-element-viewed data-type=\"drawer\" data-location=\"site-nav\" data-name=\"search flyout\" data-position=\"top\" data-text=\"open search flyout\" data-outcome=\"open search flyout container\"\\>\n\n**Popular searches**\n\n- [Mortgage rates](https:\/\/www.bankrate.com\/mortgages\/mortgage-rates\/)\n- [Balance transfer credit cards](https:\/\/www.bankrate.com\/credit-cards\/balance-transfer\/best-balance-transfer-cards\/)\n- [Car insurance quotes](https:\/\/www.bankrate.com\/insurance\/car\/car-insurance-quotes\/)\n\n**Tools**\n\n- [Mortgage calculator](https:\/\/www.bankrate.com\/mortgages\/mortgage-calculator\/)\n- [Loan calculator](https:\/\/www.bankrate.com\/loans\/loan-calculator\/)\n- [CD calculator](https:\/\/www.bankrate.com\/banking\/cds\/cd-calculator\/)\n\n1. [Retirement](https:\/\/www.bankrate.com\/retirement\/)  ›\n2. 5 different types of FIRE\n\nAdvertiser Disclosure\n\n# 5 different types of FIRE\n![Mallika Mitra](https:\/\/www.bankrate.com\/2024\/01\/25160302\/Headshot.png?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart) ![Mercedes Barba](https:\/\/www.bankrate.com\/2023\/01\/18085503\/Screen-Shot-2023-01-18-at-8.54.02-AM.png?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart)\n\nWritten by\n\nMallika Mitra\n\n,\n\n![](https:\/\/www.bankrate.com\/2024\/01\/25160302\/Headshot.png?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart)\n\n[Mallika Mitra](https:\/\/www.bankrate.com\/authors\/mallika-mitra\/)\n\nContributor, Tax and Investing\n\nExpertise\n\n- •  Taxes\n- •  Personal finance\n\nMallika Mitra is a freelance writer and editor focused on taxes, retirement planning, investing and more. She was previously a writer and editor at Money, where she wrote a weekly newsletter about investing, and a wide range of stories on meme stocks, crypto, generational investing trends and more.\n\n[Read more](https:\/\/www.bankrate.com\/authors\/mallika-mitra\/)\n\n- [Connect with Mallika Mitra on Twitter](https:\/\/twitter.com\/https:\/\/twitter.com\/mitra_mallika)\n- [Connect with Mallika Mitra on LinkedIn](https:\/\/www.linkedin.com\/in\/mallika-mitra-4577a386\/)\n\nClose\n\n[Mallika Mitra](https:\/\/www.bankrate.com\/authors\/mallika-mitra\/),\n\nEdited by\n\nMercedes Barba\n\n![](https:\/\/www.bankrate.com\/2023\/01\/18085503\/Screen-Shot-2023-01-18-at-8.54.02-AM.png?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart)\n\n[Mercedes Barba](https:\/\/www.bankrate.com\/authors\/mercedes-barba\/)\n\nFormer senior editor, investing\n\nExpertise\n\n- •  Investing\n- •  Stock analysis\n\nMercedes Barba was a senior investing editor at Bankrate. Prior to this, Mercedes served as a senior editor at NextAdvisor.\n\n[Read more](https:\/\/www.bankrate.com\/authors\/mercedes-barba\/)\n\n- [Connect with Mercedes Barba on LinkedIn](https:\/\/www.linkedin.com\/in\/mercedesbiancabarba\/)\n\nClose\n\n[Mercedes Barba](https:\/\/www.bankrate.com\/authors\/mercedes-barba\/)\n\nPublished on February 02, 2024 \\| 3 min read\n\nBankrate is always editorially independent. While we adhere to strict editorial integrity , this post may contain references to products from our partners. Here's an explanation for how we make money . Our Bankrate promise is to ensure everything we publish is objective, accurate and trustworthy.\n\n![Man checking financial trading data on mobile phone while relaxing on deck chair](https:\/\/www.bankrate.com\/2024\/02\/02155042\/Different-types-of-FIRE.jpeg?auto=webp&optimize=high&crop=16:9)\n\nKathrin Ziegler\/Getty Images\n\nEarly retirement may sound like a pipe dream, but for members of a growing movement, it’s the goal.\n\nThe [Financial Independence, Retire Early movement](https:\/\/www.bankrate.com\/retirement\/financial-independence-retire-early-fire-definition\/), also known as FIRE, is made up of people who hope to build up enough wealth that they can ditch their jobs long before they reach traditional retirement age.\n\nAlthough the movement has attracted critics, with skeptics arguing that FIRE members are making big sacrifices now for their future, it’s also gained a loyal following. With that increased popularity has come an expansion of the original idea, giving rise to new types of FIRE savers.\n\nHere are 5 different types of FIRE.\n\n## What is the FIRE movement?\nMuch of the FIRE movement comes down to two strategies for building wealth: saving and investing, and limiting spending.\n\nParticipants typically calculate their [FIRE number](https:\/\/www.bankrate.com\/investing\/how-to-calculate-your-fire-number\/) — the amount of money they’ll need to save to support their lifestyle in retirement — by multiplying their expected annual expenses in retirement by 25. The calculation is based on the [4% rule](https:\/\/www.bankrate.com\/retirement\/what-is-the-4-percent-rule\/), which suggests retirees can safely withdraw 4 percent of their portfolio value annually.\n\nMany FIRE participants plan to reach their goal and retire as soon as their 30s or 40s.\n\nBut the traditional FIRE movement isn’t for everyone. Jannese Torres, a Latina money educator, found that when she first learned about the FIRE movement, the number she calculated for herself was daunting. She opted for a version of FIRE that involves creating multiple income streams to replace the paycheck you’ve been using to sustain your lifestyle. This is called Cash flow financial independence.\n\n“There are a lot of different flavors of the FIRE movement,” Torres says.\n\n## What are different kinds of FIRE?\nThere are numerous approaches to FIRE. Here are a few:\n\n- **Lean FIRE**: If you’re planning to have lower-than-average expenses in retirement, you may want to consider Lean FIRE. This approach is typically for minimalists who can live off a lot less money than others, and who plan to do so in the future. While you may be able to get to your savings goal faster via Lean FIRE, you likely won’t have much room for spending beyond strict necessities.\n- **Coast FIRE**: Savers who implement the Coast FIRE approach aren’t necessarily trying to retire early. They focus on saving and investing enough money that eventually they can stop making contributions but still watch their money grow. In other words, they’ll be able to “coast” into retirement.\n- **Fat FIRE**: If you’re hoping for lavish vacations, lots of eating out and shopping in retirement, Fat FIRE may be the method for you. It requires saving and investing aggressively so that you don’t have to limit your spending in retirement. Understandably, it’s one of the more challenging approaches to gaining financial freedom since you’re aiming for a high annual expenditure in retirement.\n- **Barista FIRE**: The FIRE movement [doesn’t require earning six figures](https:\/\/www.bankrate.com\/personal-finance\/) and it doesn’t have to mean saving for total retirement. Instead, some people use the Barista FIRE approach to save now so they can work part-time or more relaxed jobs later in life. They may want to replace their traditional nine-to-five gig for a few hours of work a week as a barista, for example, hence the name.\n- **Cash flow financial independence**: This approach, also called Cashflow FI, focuses on generating income streams — with some of them ideally being passive income streams — to cover living expenses, Torres says.\n## Who is FIRE for?\nThe FIRE movement is for those who are willing to purposefully save, invest and limit their spending now in order to give themselves more flexibility later.\n\n“For most people, it’s really just about wanting more autonomy and freedom over their lives,” Torres says.\n\nTraditionally, the FIRE movement has been for people who want to retire early. While many FIRE participants still hope to ditch their day jobs before they hit age 65, others are simply hoping to give themselves more freedom by working less. There are many ways to apply aspects of the FIRE strategy to personal finances, even if you don’t want to follow the “rules” of the movement to a tee.\n\n“There are elements of financial independence that we can build into our lives even if we’re not 100% financially independent,” Torres says.\n\nFIRE’s growth has also made room for more [diverse voices](https:\/\/www.bankrate.com\/retirement\/different-types-of-fire-movement\/) within the movement.\n\n## Bottom line\nFIRE is a way to gain financial freedom and possibly early retirement by saving, investing and cutting expenses. As the movement has grown, various types of the approaches have developed. Lean FIRE, Coast FIRE, Fat FIRE and Barista FIRE are just four flavors of the FIRE movement.\n\nDid you find this page helpful?\n\n**Why we ask for feedback** Your feedback helps us improve our content and services. It takes less than a minute to complete.\n\nYour responses are anonymous and will only be used for improving our website.\n\nHelp us improve our content\n\nYes\n\nNo\n\nThank you for your feedback\\!\n\nYour input helps us improve our content and services.\n\nCite us\n\nShare this article\n\nShare this article\n\nClose\n\n![](https:\/\/www.bankrate.com\/2024\/01\/25160302\/Headshot.png?auto=webp&quality=85&width=96&height=96&fit=cover&enable=upscale&crop=1:1,smart)\n\nWritten by\n\n[Mallika Mitra](https:\/\/www.bankrate.com\/authors\/mallika-mitra\/)\n\nContributor, Tax and Investing\n\n- [Connect with Mallika Mitra on Twitter](https:\/\/twitter.com\/https:\/\/twitter.com\/mitra_mallika)\n- [Connect with Mallika Mitra on LinkedIn](https:\/\/www.linkedin.com\/in\/mallika-mitra-4577a386\/)\n\n[Read more from Mallika](https:\/\/www.bankrate.com\/authors\/mallika-mitra\/)\n\nMallika Mitra is a freelance writer and editor focused on taxes, retirement planning, investing and more. She was previously a writer and editor at Money, where she wrote a weekly newsletter about investing, and a wide range of stories on meme stocks, crypto, generational investing trends and more.\n\n![Man checking financial trading data on mobile phone while relaxing on deck chair](https:\/\/www.bankrate.com\/2024\/02\/02155042\/Different-types-of-FIRE.jpeg?auto=webp&optimize=high&crop=16:9)\n\nKathrin Ziegler\/Getty Images\n\nBankrate is always editorially independent. While we adhere to strict editorial integrity , this post may contain references to products from our partners. Here's an explanation for how we make money . Our Bankrate promise is to ensure everything we publish is objective, accurate and trustworthy.\n\n## You may also like\n![Homebuyers sign mortgage documents](https:\/\/www.bankrate.com\/2021\/05\/20113423\/What_is_a-_first-mortgage_.jpg)\n\n[What is a first mortgage?](https:\/\/www.bankrate.com\/mortgages\/what-is-a-first-mortgage\/)\n\nMortgages\n\nBy [Kacie Goff](https:\/\/www.bankrate.com\/authors\/kacie-goff\/)\n\n3 min read\n\n![A hand holding a stylus up to a tablet displaying a stock chart.](https:\/\/www.bankrate.com\/brp\/2024\/12\/10160011\/top-etf-categories-300x169.jpg)\n\n[Top 5 ETF categories to watch in 2025](https:\/\/www.bankrate.com\/investing\/top-etf-categories-to-watch\/)\n\nInvesting\n\nBy [Logan Jacoby](https:\/\/www.bankrate.com\/authors\/logan-jacoby\/)\n\n5 min read\n\n![A couple looks over paperwork.](https:\/\/www.bankrate.com\/2005\/04\/22173248\/The-5-most-common-types-of-bankruptcy.jpeg)\n\n[The 5 most common types of bankruptcy](https:\/\/www.bankrate.com\/personal-finance\/debt\/most-common-types-of-bankruptcy\/)\n\nDebt\n\nBy [Katherine Peach](https:\/\/www.bankrate.com\/authors\/katherine-peach\/)\n\n7 min read\n\n![](https:\/\/www.bankrate.com\/2023\/08\/03181635\/Homes_5_types_of_mortgage_loans_for_homebuyers.jpg)\n\n[5 types of mortgage loans for homebuyers](https:\/\/www.bankrate.com\/mortgages\/types-of-mortgages\/)\n\nMortgages\n\nBy [Andrew Dehan](https:\/\/www.bankrate.com\/authors\/andrew-dehan\/)\n\n7 min read\n\n## [Bankrate logo](https:\/\/www.bankrate.com\/)\n### About\n- [About us](https:\/\/www.bankrate.com\/about\/)\n- [Leadership](https:\/\/www.bankrate.com\/leadership\/)\n- [Press room](https:\/\/www.bankrate.com\/press-releases\/)\n- [Bankrate Data Center](https:\/\/www.bankrate.com\/data-center\/)\n- [Careers](https:\/\/www.bankrate.com\/careers\/)\n- [Site map](https:\/\/www.bankrate.com\/corporate\/site-map\/)\n\n### Help\n- [Compare rates](https:\/\/www.bankrate.com\/compare-rates\/)\n- [Latest news](https:\/\/www.bankrate.com\/news\/)\n- [Popular topics](https:\/\/www.bankrate.com\/popular-finance-topics\/)\n- [Advertise with us](https:\/\/www.bankrate.com\/media-kit\/)\n\n### Legal\n- [Privacy policy](https:\/\/www.bankrate.com\/privacy\/)\n- Cookie settings\n- [Do Not Sell or Share My Personal Information](https:\/\/www.bankrate.com\/do-not-sell-or-share-my-personal-information\/)\n- [Consumer Health Information Privacy Policy](https:\/\/www.bankrate.com\/consumer-health-information-privacy-policy\/)\n- [Understanding Bankrate’s averages](https:\/\/www.bankrate.com\/understanding-bankrates-rate-averages\/)\n- [Terms of use](https:\/\/www.bankrate.com\/terms\/)\n- [GLBA annual notice](https:\/\/www.bankrate.com\/glba-notice\/)\n- [California Consumer Financial Privacy Notice](https:\/\/www.bankrate.com\/2022\/02\/15094901\/california-notice.pdf)\n- [Licenses](https:\/\/www.bankrate.com\/licenses\/)\n\n### How we make money\nBankrate.com is an independent, advertising-supported publisher and comparison service. Our websites may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened. Therefore, this compensation may impact what products appear and how, where, and in what order they appear within listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. Other factors, such as our proprietary website rules and whether a product is offered in your area or at your self-selected credit score range, can also impact how and where products appear on this site. While we strive to provide a wide range of offers, Bankrate does not include information about every financial or credit product or service.\n\nBankrate, LLC NMLS ID\\# 1427381 \\| [NMLS Consumer Access](http:\/\/www.nmlsconsumeraccess.org\/EntityDetails.aspx\/COMPANY\/1427381)  \n BR Tech Services, Inc. NMLS ID \\#1743443 \\| [NMLS Consumer Access](http:\/\/www.nmlsconsumeraccess.org\/EntityDetails.aspx\/COMPANY\/1743443)\n\n© 2026 Bankrate, LLC. A Red Ventures company. All Rights Reserved.","attrs_readable_markdown":"Early retirement may sound like a pipe dream, but for members of a growing movement, it’s the goal.\n\nThe [Financial Independence, Retire Early movement](https:\/\/www.bankrate.com\/retirement\/financial-independence-retire-early-fire-definition\/), also known as FIRE, is made up of people who hope to build up enough wealth that they can ditch their jobs long before they reach traditional retirement age.\n\nAlthough the movement has attracted critics, with skeptics arguing that FIRE members are making big sacrifices now for their future, it’s also gained a loyal following. With that increased popularity has come an expansion of the original idea, giving rise to new types of FIRE savers.\n\nHere are 5 different types of FIRE.\n\n## What is the FIRE movement?\nMuch of the FIRE movement comes down to two strategies for building wealth: saving and investing, and limiting spending.\n\nParticipants typically calculate their [FIRE number](https:\/\/www.bankrate.com\/investing\/how-to-calculate-your-fire-number\/) — the amount of money they’ll need to save to support their lifestyle in retirement — by multiplying their expected annual expenses in retirement by 25. The calculation is based on the [4% rule](https:\/\/www.bankrate.com\/retirement\/what-is-the-4-percent-rule\/), which suggests retirees can safely withdraw 4 percent of their portfolio value annually.\n\nMany FIRE participants plan to reach their goal and retire as soon as their 30s or 40s.\n\nBut the traditional FIRE movement isn’t for everyone. Jannese Torres, a Latina money educator, found that when she first learned about the FIRE movement, the number she calculated for herself was daunting. She opted for a version of FIRE that involves creating multiple income streams to replace the paycheck you’ve been using to sustain your lifestyle. This is called Cash flow financial independence.\n\n“There are a lot of different flavors of the FIRE movement,” Torres says.\n\n## What are different kinds of FIRE?\nThere are numerous approaches to FIRE. Here are a few:\n\n- **Lean FIRE**: If you’re planning to have lower-than-average expenses in retirement, you may want to consider Lean FIRE. This approach is typically for minimalists who can live off a lot less money than others, and who plan to do so in the future. While you may be able to get to your savings goal faster via Lean FIRE, you likely won’t have much room for spending beyond strict necessities.\n- **Coast FIRE**: Savers who implement the Coast FIRE approach aren’t necessarily trying to retire early. They focus on saving and investing enough money that eventually they can stop making contributions but still watch their money grow. In other words, they’ll be able to “coast” into retirement.\n- **Fat FIRE**: If you’re hoping for lavish vacations, lots of eating out and shopping in retirement, Fat FIRE may be the method for you. It requires saving and investing aggressively so that you don’t have to limit your spending in retirement. Understandably, it’s one of the more challenging approaches to gaining financial freedom since you’re aiming for a high annual expenditure in retirement.\n- **Barista FIRE**: The FIRE movement [doesn’t require earning six figures](https:\/\/www.bankrate.com\/personal-finance\/) and it doesn’t have to mean saving for total retirement. Instead, some people use the Barista FIRE approach to save now so they can work part-time or more relaxed jobs later in life. They may want to replace their traditional nine-to-five gig for a few hours of work a week as a barista, for example, hence the name.\n- **Cash flow financial independence**: This approach, also called Cashflow FI, focuses on generating income streams — with some of them ideally being passive income streams — to cover living expenses, Torres says.\n## Who is FIRE for?\nThe FIRE movement is for those who are willing to purposefully save, invest and limit their spending now in order to give themselves more flexibility later.\n\n“For most people, it’s really just about wanting more autonomy and freedom over their lives,” Torres says.\n\nTraditionally, the FIRE movement has been for people who want to retire early. While many FIRE participants still hope to ditch their day jobs before they hit age 65, others are simply hoping to give themselves more freedom by working less. There are many ways to apply aspects of the FIRE strategy to personal finances, even if you don’t want to follow the “rules” of the movement to a tee.\n\n“There are elements of financial independence that we can build into our lives even if we’re not 100% financially independent,” Torres says.\n\nFIRE’s growth has also made room for more [diverse voices](https:\/\/www.bankrate.com\/retirement\/different-types-of-fire-movement\/) within the movement.\n\n## Bottom line\nFIRE is a way to gain financial freedom and possibly early retirement by saving, investing and cutting expenses. As the movement has grown, various types of the approaches have developed. Lean FIRE, Coast FIRE, Fat FIRE and Barista FIRE are just four flavors of the FIRE movement.\n\nDid you find this page helpful?\n\nHelp us improve our content","meta_canonical":null}

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Meta Description	As the FIRE movement has grown, so has the number of approaches to saving for an early retirement. Learn about Lean FIRE, Coast FIRE, Fat FIRE and more., As the FIRE movement has grown, so has the number of approaches to saving for an early retirement. Learn about Lean FIRE, Coast FIRE, Fat FIRE and more.
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Boilerpipe Text	Early retirement may sound like a pipe dream, but for members of a growing movement, it’s the goal. The Financial Independence, Retire Early movement , also known as FIRE, is made up of people who hope to build up enough wealth that they can ditch their jobs long before they reach traditional retirement age. Although the movement has attracted critics, with skeptics arguing that FIRE members are making big sacrifices now for their future, it’s also gained a loyal following. With that increased popularity has come an expansion of the original idea, giving rise to new types of FIRE savers. Here are 5 different types of FIRE. What is the FIRE movement? Much of the FIRE movement comes down to two strategies for building wealth: saving and investing, and limiting spending. Participants typically calculate their FIRE number — the amount of money they’ll need to save to support their lifestyle in retirement — by multiplying their expected annual expenses in retirement by 25. The calculation is based on the 4% rule , which suggests retirees can safely withdraw 4 percent of their portfolio value annually. Many FIRE participants plan to reach their goal and retire as soon as their 30s or 40s. But the traditional FIRE movement isn’t for everyone. Jannese Torres, a Latina money educator, found that when she first learned about the FIRE movement, the number she calculated for herself was daunting. She opted for a version of FIRE that involves creating multiple income streams to replace the paycheck you’ve been using to sustain your lifestyle. This is called Cash flow financial independence. “There are a lot of different flavors of the FIRE movement,” Torres says. What are different kinds of FIRE? There are numerous approaches to FIRE. Here are a few: Lean FIRE : If you’re planning to have lower-than-average expenses in retirement, you may want to consider Lean FIRE. This approach is typically for minimalists who can live off a lot less money than others, and who plan to do so in the future. While you may be able to get to your savings goal faster via Lean FIRE, you likely won’t have much room for spending beyond strict necessities. Coast FIRE : Savers who implement the Coast FIRE approach aren’t necessarily trying to retire early. They focus on saving and investing enough money that eventually they can stop making contributions but still watch their money grow. In other words, they’ll be able to “coast” into retirement. Fat FIRE : If you’re hoping for lavish vacations, lots of eating out and shopping in retirement, Fat FIRE may be the method for you. It requires saving and investing aggressively so that you don’t have to limit your spending in retirement. Understandably, it’s one of the more challenging approaches to gaining financial freedom since you’re aiming for a high annual expenditure in retirement. Barista FIRE : The FIRE movement doesn’t require earning six figures and it doesn’t have to mean saving for total retirement. Instead, some people use the Barista FIRE approach to save now so they can work part-time or more relaxed jobs later in life. They may want to replace their traditional nine-to-five gig for a few hours of work a week as a barista, for example, hence the name. Cash flow financial independence : This approach, also called Cashflow FI, focuses on generating income streams — with some of them ideally being passive income streams — to cover living expenses, Torres says. Who is FIRE for? The FIRE movement is for those who are willing to purposefully save, invest and limit their spending now in order to give themselves more flexibility later. “For most people, it’s really just about wanting more autonomy and freedom over their lives,” Torres says. Traditionally, the FIRE movement has been for people who want to retire early. While many FIRE participants still hope to ditch their day jobs before they hit age 65, others are simply hoping to give themselves more freedom by working less. There are many ways to apply aspects of the FIRE strategy to personal finances, even if you don’t want to follow the “rules” of the movement to a tee. “There are elements of financial independence that we can build into our lives even if we’re not 100% financially independent,” Torres says. FIRE’s growth has also made room for more diverse voices within the movement. Bottom line FIRE is a way to gain financial freedom and possibly early retirement by saving, investing and cutting expenses. As the movement has grown, various types of the approaches have developed. Lean FIRE, Coast FIRE, Fat FIRE and Barista FIRE are just four flavors of the FIRE movement. Did you find this page helpful? Info Icon Help us improve our content
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[Retirement](https://www.bankrate.com/retirement/) › 2. 5 different types of FIRE Advertiser Disclosure # 5 different types of FIRE ![Mallika Mitra](https://www.bankrate.com/2024/01/25160302/Headshot.png?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart) ![Mercedes Barba](https://www.bankrate.com/2023/01/18085503/Screen-Shot-2023-01-18-at-8.54.02-AM.png?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart) Written by Mallika Mitra , ![](https://www.bankrate.com/2024/01/25160302/Headshot.png?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart) [Mallika Mitra](https://www.bankrate.com/authors/mallika-mitra/) Contributor, Tax and Investing Expertise - • Taxes - • Personal finance Mallika Mitra is a freelance writer and editor focused on taxes, retirement planning, investing and more. She was previously a writer and editor at Money, where she wrote a weekly newsletter about investing, and a wide range of stories on meme stocks, crypto, generational investing trends and more. [Read more](https://www.bankrate.com/authors/mallika-mitra/) - [Connect with Mallika Mitra on Twitter](https://twitter.com/https://twitter.com/mitra_mallika) - [Connect with Mallika Mitra on LinkedIn](https://www.linkedin.com/in/mallika-mitra-4577a386/) Close [Mallika Mitra](https://www.bankrate.com/authors/mallika-mitra/), Edited by Mercedes Barba ![](https://www.bankrate.com/2023/01/18085503/Screen-Shot-2023-01-18-at-8.54.02-AM.png?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart) [Mercedes Barba](https://www.bankrate.com/authors/mercedes-barba/) Former senior editor, investing Expertise - • Investing - • Stock analysis Mercedes Barba was a senior investing editor at Bankrate. Prior to this, Mercedes served as a senior editor at NextAdvisor. [Read more](https://www.bankrate.com/authors/mercedes-barba/) - [Connect with Mercedes Barba on LinkedIn](https://www.linkedin.com/in/mercedesbiancabarba/) Close [Mercedes Barba](https://www.bankrate.com/authors/mercedes-barba/) Published on February 02, 2024 \\| 3 min read Bankrate is always editorially independent. While we adhere to strict editorial integrity , this post may contain references to products from our partners. Here's an explanation for how we make money . Our Bankrate promise is to ensure everything we publish is objective, accurate and trustworthy. ![Man checking financial trading data on mobile phone while relaxing on deck chair](https://www.bankrate.com/2024/02/02155042/Different-types-of-FIRE.jpeg?auto=webp&optimize=high&crop=16:9) Kathrin Ziegler/Getty Images Early retirement may sound like a pipe dream, but for members of a growing movement, it’s the goal. The [Financial Independence, Retire Early movement](https://www.bankrate.com/retirement/financial-independence-retire-early-fire-definition/), also known as FIRE, is made up of people who hope to build up enough wealth that they can ditch their jobs long before they reach traditional retirement age. Although the movement has attracted critics, with skeptics arguing that FIRE members are making big sacrifices now for their future, it’s also gained a loyal following. With that increased popularity has come an expansion of the original idea, giving rise to new types of FIRE savers. Here are 5 different types of FIRE. ## What is the FIRE movement? Much of the FIRE movement comes down to two strategies for building wealth: saving and investing, and limiting spending. Participants typically calculate their [FIRE number](https://www.bankrate.com/investing/how-to-calculate-your-fire-number/) — the amount of money they’ll need to save to support their lifestyle in retirement — by multiplying their expected annual expenses in retirement by 25. The calculation is based on the [4% rule](https://www.bankrate.com/retirement/what-is-the-4-percent-rule/), which suggests retirees can safely withdraw 4 percent of their portfolio value annually. Many FIRE participants plan to reach their goal and retire as soon as their 30s or 40s. But the traditional FIRE movement isn’t for everyone. Jannese Torres, a Latina money educator, found that when she first learned about the FIRE movement, the number she calculated for herself was daunting. She opted for a version of FIRE that involves creating multiple income streams to replace the paycheck you’ve been using to sustain your lifestyle. This is called Cash flow financial independence. “There are a lot of different flavors of the FIRE movement,” Torres says. ## What are different kinds of FIRE? There are numerous approaches to FIRE. Here are a few: - Lean FIRE: If you’re planning to have lower-than-average expenses in retirement, you may want to consider Lean FIRE. This approach is typically for minimalists who can live off a lot less money than others, and who plan to do so in the future. While you may be able to get to your savings goal faster via Lean FIRE, you likely won’t have much room for spending beyond strict necessities. - Coast FIRE: Savers who implement the Coast FIRE approach aren’t necessarily trying to retire early. They focus on saving and investing enough money that eventually they can stop making contributions but still watch their money grow. In other words, they’ll be able to “coast” into retirement. - Fat FIRE: If you’re hoping for lavish vacations, lots of eating out and shopping in retirement, Fat FIRE may be the method for you. It requires saving and investing aggressively so that you don’t have to limit your spending in retirement. Understandably, it’s one of the more challenging approaches to gaining financial freedom since you’re aiming for a high annual expenditure in retirement. - Barista FIRE: The FIRE movement [doesn’t require earning six figures](https://www.bankrate.com/personal-finance/) and it doesn’t have to mean saving for total retirement. Instead, some people use the Barista FIRE approach to save now so they can work part-time or more relaxed jobs later in life. They may want to replace their traditional nine-to-five gig for a few hours of work a week as a barista, for example, hence the name. - Cash flow financial independence: This approach, also called Cashflow FI, focuses on generating income streams — with some of them ideally being passive income streams — to cover living expenses, Torres says. ## Who is FIRE for? The FIRE movement is for those who are willing to purposefully save, invest and limit their spending now in order to give themselves more flexibility later. “For most people, it’s really just about wanting more autonomy and freedom over their lives,” Torres says. Traditionally, the FIRE movement has been for people who want to retire early. While many FIRE participants still hope to ditch their day jobs before they hit age 65, others are simply hoping to give themselves more freedom by working less. There are many ways to apply aspects of the FIRE strategy to personal finances, even if you don’t want to follow the “rules” of the movement to a tee. “There are elements of financial independence that we can build into our lives even if we’re not 100% financially independent,” Torres says. FIRE’s growth has also made room for more [diverse voices](https://www.bankrate.com/retirement/different-types-of-fire-movement/) within the movement. ## Bottom line FIRE is a way to gain financial freedom and possibly early retirement by saving, investing and cutting expenses. As the movement has grown, various types of the approaches have developed. Lean FIRE, Coast FIRE, Fat FIRE and Barista FIRE are just four flavors of the FIRE movement. Did you find this page helpful? Why we ask for feedback Your feedback helps us improve our content and services. It takes less than a minute to complete. Your responses are anonymous and will only be used for improving our website. Help us improve our content Yes No Thank you for your feedback\! Your input helps us improve our content and services. Cite us Share this article Share this article Close ![](https://www.bankrate.com/2024/01/25160302/Headshot.png?auto=webp&quality=85&width=96&height=96&fit=cover&enable=upscale&crop=1:1,smart) Written by [Mallika Mitra](https://www.bankrate.com/authors/mallika-mitra/) Contributor, Tax and Investing - [Connect with Mallika Mitra on Twitter](https://twitter.com/https://twitter.com/mitra_mallika) - [Connect with Mallika Mitra on LinkedIn](https://www.linkedin.com/in/mallika-mitra-4577a386/) [Read more from Mallika](https://www.bankrate.com/authors/mallika-mitra/) Mallika Mitra is a freelance writer and editor focused on taxes, retirement planning, investing and more. She was previously a writer and editor at Money, where she wrote a weekly newsletter about investing, and a wide range of stories on meme stocks, crypto, generational investing trends and more. ![Man checking financial trading data on mobile phone while relaxing on deck chair](https://www.bankrate.com/2024/02/02155042/Different-types-of-FIRE.jpeg?auto=webp&optimize=high&crop=16:9) Kathrin Ziegler/Getty Images Bankrate is always editorially independent. While we adhere to strict editorial integrity , this post may contain references to products from our partners. Here's an explanation for how we make money . Our Bankrate promise is to ensure everything we publish is objective, accurate and trustworthy. ## You may also like ![Homebuyers sign mortgage documents](https://www.bankrate.com/2021/05/20113423/What_is_a-_first-mortgage_.jpg) [What is a first mortgage?](https://www.bankrate.com/mortgages/what-is-a-first-mortgage/) Mortgages By [Kacie Goff](https://www.bankrate.com/authors/kacie-goff/) 3 min read ![A hand holding a stylus up to a tablet displaying a stock chart.](https://www.bankrate.com/brp/2024/12/10160011/top-etf-categories-300x169.jpg) [Top 5 ETF categories to watch in 2025](https://www.bankrate.com/investing/top-etf-categories-to-watch/) Investing By [Logan Jacoby](https://www.bankrate.com/authors/logan-jacoby/) 5 min read ![A couple looks over paperwork.](https://www.bankrate.com/2005/04/22173248/The-5-most-common-types-of-bankruptcy.jpeg) [The 5 most common types of bankruptcy](https://www.bankrate.com/personal-finance/debt/most-common-types-of-bankruptcy/) Debt By [Katherine Peach](https://www.bankrate.com/authors/katherine-peach/) 7 min read ![](https://www.bankrate.com/2023/08/03181635/Homes_5_types_of_mortgage_loans_for_homebuyers.jpg) [5 types of mortgage loans for homebuyers](https://www.bankrate.com/mortgages/types-of-mortgages/) Mortgages By [Andrew Dehan](https://www.bankrate.com/authors/andrew-dehan/) 7 min read ## [Bankrate logo](https://www.bankrate.com/) ### About - [About us](https://www.bankrate.com/about/) - [Leadership](https://www.bankrate.com/leadership/) - [Press room](https://www.bankrate.com/press-releases/) - [Bankrate Data Center](https://www.bankrate.com/data-center/) - [Careers](https://www.bankrate.com/careers/) - [Site map](https://www.bankrate.com/corporate/site-map/) ### Help - [Compare rates](https://www.bankrate.com/compare-rates/) - [Latest news](https://www.bankrate.com/news/) - [Popular topics](https://www.bankrate.com/popular-finance-topics/) - [Advertise with us](https://www.bankrate.com/media-kit/) ### Legal - [Privacy policy](https://www.bankrate.com/privacy/) - Cookie settings - [Do Not Sell or Share My Personal Information](https://www.bankrate.com/do-not-sell-or-share-my-personal-information/) - [Consumer Health Information Privacy Policy](https://www.bankrate.com/consumer-health-information-privacy-policy/) - [Understanding Bankrate’s averages](https://www.bankrate.com/understanding-bankrates-rate-averages/) - [Terms of use](https://www.bankrate.com/terms/) - [GLBA annual notice](https://www.bankrate.com/glba-notice/) - [California Consumer Financial Privacy Notice](https://www.bankrate.com/2022/02/15094901/california-notice.pdf) - [Licenses](https://www.bankrate.com/licenses/) ### How we make money Bankrate.com is an independent, advertising-supported publisher and comparison service. 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Readable Markdown	Early retirement may sound like a pipe dream, but for members of a growing movement, it’s the goal. The [Financial Independence, Retire Early movement](https://www.bankrate.com/retirement/financial-independence-retire-early-fire-definition/), also known as FIRE, is made up of people who hope to build up enough wealth that they can ditch their jobs long before they reach traditional retirement age. Although the movement has attracted critics, with skeptics arguing that FIRE members are making big sacrifices now for their future, it’s also gained a loyal following. With that increased popularity has come an expansion of the original idea, giving rise to new types of FIRE savers. Here are 5 different types of FIRE. ## What is the FIRE movement? Much of the FIRE movement comes down to two strategies for building wealth: saving and investing, and limiting spending. Participants typically calculate their [FIRE number](https://www.bankrate.com/investing/how-to-calculate-your-fire-number/) — the amount of money they’ll need to save to support their lifestyle in retirement — by multiplying their expected annual expenses in retirement by 25. The calculation is based on the [4% rule](https://www.bankrate.com/retirement/what-is-the-4-percent-rule/), which suggests retirees can safely withdraw 4 percent of their portfolio value annually. Many FIRE participants plan to reach their goal and retire as soon as their 30s or 40s. But the traditional FIRE movement isn’t for everyone. Jannese Torres, a Latina money educator, found that when she first learned about the FIRE movement, the number she calculated for herself was daunting. She opted for a version of FIRE that involves creating multiple income streams to replace the paycheck you’ve been using to sustain your lifestyle. This is called Cash flow financial independence. “There are a lot of different flavors of the FIRE movement,” Torres says. ## What are different kinds of FIRE? There are numerous approaches to FIRE. Here are a few: - Lean FIRE: If you’re planning to have lower-than-average expenses in retirement, you may want to consider Lean FIRE. This approach is typically for minimalists who can live off a lot less money than others, and who plan to do so in the future. While you may be able to get to your savings goal faster via Lean FIRE, you likely won’t have much room for spending beyond strict necessities. - Coast FIRE: Savers who implement the Coast FIRE approach aren’t necessarily trying to retire early. They focus on saving and investing enough money that eventually they can stop making contributions but still watch their money grow. In other words, they’ll be able to “coast” into retirement. - Fat FIRE: If you’re hoping for lavish vacations, lots of eating out and shopping in retirement, Fat FIRE may be the method for you. It requires saving and investing aggressively so that you don’t have to limit your spending in retirement. Understandably, it’s one of the more challenging approaches to gaining financial freedom since you’re aiming for a high annual expenditure in retirement. - Barista FIRE: The FIRE movement [doesn’t require earning six figures](https://www.bankrate.com/personal-finance/) and it doesn’t have to mean saving for total retirement. Instead, some people use the Barista FIRE approach to save now so they can work part-time or more relaxed jobs later in life. They may want to replace their traditional nine-to-five gig for a few hours of work a week as a barista, for example, hence the name. - Cash flow financial independence: This approach, also called Cashflow FI, focuses on generating income streams — with some of them ideally being passive income streams — to cover living expenses, Torres says. ## Who is FIRE for? The FIRE movement is for those who are willing to purposefully save, invest and limit their spending now in order to give themselves more flexibility later. “For most people, it’s really just about wanting more autonomy and freedom over their lives,” Torres says. Traditionally, the FIRE movement has been for people who want to retire early. While many FIRE participants still hope to ditch their day jobs before they hit age 65, others are simply hoping to give themselves more freedom by working less. There are many ways to apply aspects of the FIRE strategy to personal finances, even if you don’t want to follow the “rules” of the movement to a tee. “There are elements of financial independence that we can build into our lives even if we’re not 100% financially independent,” Torres says. FIRE’s growth has also made room for more [diverse voices](https://www.bankrate.com/retirement/different-types-of-fire-movement/) within the movement. ## Bottom line FIRE is a way to gain financial freedom and possibly early retirement by saving, investing and cutting expenses. As the movement has grown, various types of the approaches have developed. Lean FIRE, Coast FIRE, Fat FIRE and Barista FIRE are just four flavors of the FIRE movement. Did you find this page helpful? Help us improve our content
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