🕷️ Crawler Inspector

URL Lookup

Direct Parameter Lookup

Raw Queries and Responses

1. Shard Calculation

Query:

Response:

Calculated Shard: 32 (from laksa047)

2. Crawled Status Check

Query:

curl -X POST \
  'http://laksa032.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.legalandgeneral.com/retirement/pensions/guides/the-fire-movement-what-is-it/\')), getAhrefsUnparsedNoserviceFromURL(\'https://www.legalandgeneral.com/retirement/pensions/guides/the-fire-movement-what-is-it/\'))) FORMAT JSONEachRow'

Response:

{"found_url":"https:\/\/www.legalandgeneral.com\/retirement\/pensions\/guides\/the-fire-movement-what-is-it\/","crawl_time":1776087320,"first_indexed_time":1703217054,"http_code":200,"src_unparsed":"com,legalandgeneral!www,\/retirement\/pensions\/guides\/the-fire-movement-what-is-it\/ s443","src_root_hash":"8923660645609944432","history_drop_reason":null,"meta_title":"FIRE Movement UK | Legal & General","meta_descriptions":["Learn what the Financial Independence Retire Early (FIRE) movement in the UK is and who it’s for."],"attrs_boilerpipe_text":"06 Apr 2026\nCould the FIRE movement help you retire early?\nDid you think you could only retire once you’re in your 60s, or maybe a bit earlier at 55? These days, that’s not your only choice. The FIRE movement wants to help you stop working when you’re much younger. Or you can aim for the financial freedom to only take on work you really want to do.\nFIRE (Financial Independence Retire Early), or sometimes FIRE (Financially Independent Retire Early), shows you how to live well while using less of the world’s resources, saving much more of your income, so that you ultimately only work if you want to.\nWhat is the Financial Independence Retire Early movement?\nThe FIRE movement began in the US with Vicki Robin and Joe Dominguez’s book, “Your Money or Your Life”, way back in 1992. But it didn’t really take off internationally until after 2010, when Jacob Lund Fisker’s “Early Retirement Extreme” came out.\nOver the last decade or so, FIRE ideals and ideas have spread far and wide online. It’s become a lifestyle choice for many Millennials in the US, the UK and beyond. There are even FIRE dating sites, to help you meet that special someone who shares your early retirement dreams.\nYou just need to save a lot more of your income than most people do – up to 70% of it.\n70%. Yes, that IS a lot of money to save.\nYou’ll need to cut your living costs by following a key FIRE principle: consume much less and live much more simply. That’s definitely a challenge. But FIRE followers have put a lot of advice and support online in blog posts, podcasts and on social media. We talk about how to have fun with your saving in our FIRE movement podcast episode of\nA Little Bit Richer\n, titled 'Finding financial freedom'.\nUnderstanding the FIRE movement\nIn essence, the FIRE movement is about deciding when you want to stop working (often earlier than traditional retirement ages), then saving up to live your ideal lifestyle when you get there. It recommends three main lifestyles you can aim for:\nLean FIRE, where you live frugally, based on a lower income in retirement\nFat FIRE, where you have a big savings pot, so can live more luxuriously\nBarista FIRE, where you still work part time or get support from an unretired partner\nOnce you know when and how you’d like to retire, you can work out how much you need to save. The\nRetirement Living Standards\nwebsite will help you think about that for yourself. To give you an idea, they suggest you'll need about £31,700 a year for a moderate retirement if you're living outside of London - and that doesn't include your rent or mortgage. The new State Pension for 2026 to 2027 is £12,547. So you can start to picture how much you'll need to save to fund the retirement you're hoping for.\nAnd then you just start saving!\nYou’ll probably need to make some changes to your current lifestyle. Most FIRE followers live as simply as possible, so they can put away all the money they need to. They invest that money to achieve the best possible returns.\nThey also look to pay off their mortgages and any other debts, to cut their monthly spend. But that shouldn’t mean living insecurely. Whatever your savings plan, you should always have an easily available emergency fund that can cover three to six months of your expenses.\nWho is the FIRE movement for?\nFIRE’s very popular with younger people who don’t mind making sacrifices during their working lives. For some people, it’s a lifestyle thing. They want to retire as early as possible and live life on their own terms. For others, it’s about protecting the planet by leading simpler lives and consuming less.\nWhatever your motivation, if you’d like to live more simply and have more control over your life, FIRE could be for you.\nHow does the Financial Independence Retire Early method work?\nThere’s global interest in joining the FIRE movement. UK FIRE followers might find some of these tips handy:\nGrow your income\nSee if you can earn more money in your current role, or find a better-paying job. Look for side hustles – maybe you have a hobby that can bring in a little extra cash every month. And do you have any assets that could work harder for you? In series three of our podcast\nRewirement\n, Amy shares how she and her husband Dan made their way out of debt using innovative sources of income – like renting out their parking space and online mystery shopping.\nCut your spending\nList your regular costs and see what you can cut down. Pay off any loans and haggle down or cancel any subscriptions. Stop buying takeaway food or drink, start seeing what you can make or recycle yourself. Look for cheaper or free ways of spending your time – volunteering can be a great option.\nSave more efficiently\nPay into your pension, making full use of any employer support. If you don’t have a\npersonal pension\n, set one up. And don’t let your money just sit in a savings account – find ways of investing it. Our\nStocks & Shares ISA\ncan be a great starting point if you’re new to investing.\nPlan for the long term\nKnow\nwhat age you can retire\n. Set clear, long-term goals for yourself. Investing earlier and letting your money grow for longer should give you bigger returns later on. If you want to retire before you can access your pension, plan to fund your lifestyle with at most 4% of your savings each year.\nWhat should I do next?\nFIRE isn’t for everyone. But it’s an interesting and increasingly popular approach to retirement. Even if you don’t end up retiring at 55, it might help you rethink how you save and what you’re saving for. For Financial Independence Retire Early UK-based tips, you can find an early retirement checklist in our\nHow to retire early article\n. And you can also check out our own\nMidlife MOT\n. It could help you cut down your monthly spending and maybe get a raise, or find a new, better-paying job, leaving you on track for a comfortable income in retirement.","attrs_markdown":"[Skip to main content](https:\/\/www.legalandgeneral.com\/retirement\/pensions\/guides\/the-fire-movement-what-is-it\/#main \"Skip to main content\")\n\n[Personal](https:\/\/www.legalandgeneral.com\/)\n\n[Adviser](https:\/\/www.legalandgeneral.com\/adviser\/)\n\n[Employer](https:\/\/legalandgeneral.com\/employer\/)\n\n[Institutional](https:\/\/www.legalandgeneral.com\/institutional\/)\n\n[Our websites](https:\/\/www.legalandgeneral.com\/retirement\/pensions\/guides\/the-fire-movement-what-is-it\/)\n\n[Legal & General Group](https:\/\/group.legalandgeneral.com\/)\n\n[Asset Management](https:\/\/am.landg.com\/)\n\n[Careers](https:\/\/careers.legalandgeneral.com\/)\n\n[All our sites](https:\/\/www.legalandgeneral.com\/all-our-sites\/)\n\n[![Legal & General](https:\/\/www.legalandgeneral.com\/asset\/492094\/globalassets\/global-shared-assets\/logos\/landg_logo.svg)](https:\/\/www.legalandgeneral.com\/)\n\nMenu\n\n- Insurance\n- ISAs\n- Pension savings\n- Retirement\n- Later life mortgages\n\n- Search\n\nSearch\n\nSearch term\n\n[Log in](https:\/\/myaccount.landg.com\/)\n\n[Register](https:\/\/auth.landg.com\/register)\n\n[Contact us](https:\/\/legalandgeneral.com\/contact-us\/)\n\nBack\n\n- Insurance\n  \n  Insurance and protection to look after what matters most to you\n  [Insurance home](https:\/\/www.legalandgeneral.com\/insurance\/)\n  Products\n  \n  Back\n  \n  Products\n  \n  - 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[Lifetime mortgage drawdown](https:\/\/www.legalandgeneral.com\/existing-customers\/retirement-support\/lifetime-mortgage-drawdown\/)\n  - [Contact us](https:\/\/www.legalandgeneral.com\/contact-us\/later-life-mortgages\/)\n\n1\\.\n\n[Retirement](https:\/\/www.legalandgeneral.com\/retirement\/)\n\n2\\.\n\n[Pension guides](https:\/\/www.legalandgeneral.com\/retirement\/pensions\/guides\/)\n\n3\\.\n\n[The FIRE movement – what is it?](https:\/\/www.legalandgeneral.com\/retirement\/pensions\/guides\/the-fire-movement-what-is-it\/)\n\n06 Apr 2026\n\n# The FIRE movement – what is it?\n### Could the FIRE movement help you retire early?\nDid you think you could only retire once you’re in your 60s, or maybe a bit earlier at 55? These days, that’s not your only choice. The FIRE movement wants to help you stop working when you’re much younger. Or you can aim for the financial freedom to only take on work you really want to do.\n\nFIRE (Financial Independence Retire Early), or sometimes FIRE (Financially Independent Retire Early), shows you how to live well while using less of the world’s resources, saving much more of your income, so that you ultimately only work if you want to.\n\n![Couple looking at paper](https:\/\/www.legalandgeneral.com\/cdn-cgi\/image\/width=800\/asset\/497c98\/globalassets\/personal\/retirement\/rewirement\/i-want-to-set-financial-goals\/the-fire-movement--what-is-it\/the-fire-movement-what-is-it-teaser-638490530914965653.jpg)\n\n## Ready to try and get A Little Bit Richer?\nListen to our new season with Iona Bain and guests talking about money. If you're thinking of big milestones, perhaps a new home, a family, early retirement or all of these, we'll help you get a grip on your financial future.\n\n[Listen to A Little Bit Richer](https:\/\/www.legalandgeneral.com\/podcasts\/a-little-bit-richer\/)\n\n## What is the Financial Independence Retire Early movement?\nThe FIRE movement began in the US with Vicki Robin and Joe Dominguez’s book, “Your Money or Your Life”, way back in 1992. But it didn’t really take off internationally until after 2010, when Jacob Lund Fisker’s “Early Retirement Extreme” came out.\n\nOver the last decade or so, FIRE ideals and ideas have spread far and wide online. It’s become a lifestyle choice for many Millennials in the US, the UK and beyond. There are even FIRE dating sites, to help you meet that special someone who shares your early retirement dreams.\n\nYou just need to save a lot more of your income than most people do – up to 70% of it.\n\n70%. Yes, that IS a lot of money to save.\n\nYou’ll need to cut your living costs by following a key FIRE principle: consume much less and live much more simply. That’s definitely a challenge. But FIRE followers have put a lot of advice and support online in blog posts, podcasts and on social media. We talk about how to have fun with your saving in our FIRE movement podcast episode of [A Little Bit Richer](https:\/\/www.legalandgeneral.com\/podcasts\/a-little-bit-richer\/ \"A Little Bit Richer\"), titled 'Finding financial freedom'.\n\n## Finding financial freedom - video transcript\nWe talk about money here but actually it's about what it can allow you to do.\n\nSo get really, really deep with yourself in terms of what you want your life to look like, what's important to you, what your values are.\n\nBecause developing your goals based around this will make it a lot easier to have the motivation to save.\n\nThe second one is – save as much as you can as early as you can, because it really does make a big difference to the amount that you can save over time and you get the awesome impact of compound growth as well.\n\nAnd then the third thing is - have fun with it.\n\nSo I think sometimes we are at risk of not enjoying the saving that we do because we see it as something to sacrifice.\n\nWe're sacrificing things in the now for things in the future but actually make it fun.\n\nMake it a game, think about the rewards that you can offer yourself and feel empowered.\n\n## Understanding the FIRE movement\nIn essence, the FIRE movement is about deciding when you want to stop working (often earlier than traditional retirement ages), then saving up to live your ideal lifestyle when you get there. It recommends three main lifestyles you can aim for:\n\n- Lean FIRE, where you live frugally, based on a lower income in retirement\n- Fat FIRE, where you have a big savings pot, so can live more luxuriously\n- Barista FIRE, where you still work part time or get support from an unretired partner\n\nOnce you know when and how you’d like to retire, you can work out how much you need to save. The [Retirement Living Standards](https:\/\/www.retirementlivingstandards.org.uk\/) website will help you think about that for yourself. To give you an idea, they suggest you'll need about £31,700 a year for a moderate retirement if you're living outside of London - and that doesn't include your rent or mortgage. The new State Pension for 2026 to 2027 is £12,547. So you can start to picture how much you'll need to save to fund the retirement you're hoping for.\n\nAnd then you just start saving\\!\n\nYou’ll probably need to make some changes to your current lifestyle. Most FIRE followers live as simply as possible, so they can put away all the money they need to. They invest that money to achieve the best possible returns.\n\nThey also look to pay off their mortgages and any other debts, to cut their monthly spend. But that shouldn’t mean living insecurely. Whatever your savings plan, you should always have an easily available emergency fund that can cover three to six months of your expenses.\n\n## Who is the FIRE movement for?\nFIRE’s very popular with younger people who don’t mind making sacrifices during their working lives. For some people, it’s a lifestyle thing. They want to retire as early as possible and live life on their own terms. For others, it’s about protecting the planet by leading simpler lives and consuming less.\n\nWhatever your motivation, if you’d like to live more simply and have more control over your life, FIRE could be for you.\n\n## How does the Financial Independence Retire Early method work?\nThere’s global interest in joining the FIRE movement. UK FIRE followers might find some of these tips handy:\n\n### Grow your income\nSee if you can earn more money in your current role, or find a better-paying job. Look for side hustles – maybe you have a hobby that can bring in a little extra cash every month. And do you have any assets that could work harder for you? In series three of our podcast [Rewirement](https:\/\/www.legalandgeneral.com\/podcasts\/rewirement\/), Amy shares how she and her husband Dan made their way out of debt using innovative sources of income – like renting out their parking space and online mystery shopping.\n\n### Cut your spending\nList your regular costs and see what you can cut down. Pay off any loans and haggle down or cancel any subscriptions. Stop buying takeaway food or drink, start seeing what you can make or recycle yourself. Look for cheaper or free ways of spending your time – volunteering can be a great option.\n\n### Save more efficiently\nPay into your pension, making full use of any employer support. If you don’t have a [personal pension](https:\/\/www.legalandgeneral.com\/retirement\/pensions\/personal-pension\/), set one up. And don’t let your money just sit in a savings account – find ways of investing it. Our [Stocks & Shares ISA](https:\/\/www.legalandgeneral.com\/investments\/stocks-and-shares-isa\/) can be a great starting point if you’re new to investing.\n\n## Our Stocks and Shares ISA\nLearn all about our Stocks and Shares ISA and it's key benefits.\n\n[Learn more about our ISA](https:\/\/www.legalandgeneral.com\/investments\/stocks-and-shares-isa\/)\n\n### Plan for the long term\nKnow [what age you can retire](https:\/\/www.legalandgeneral.com\/retirement\/pensions\/guides\/what-age-can-i-retire-early-retirement\/). Set clear, long-term goals for yourself. Investing earlier and letting your money grow for longer should give you bigger returns later on. If you want to retire before you can access your pension, plan to fund your lifestyle with at most 4% of your savings each year.\n\n## What should I do next?\nFIRE isn’t for everyone. But it’s an interesting and increasingly popular approach to retirement. Even if you don’t end up retiring at 55, it might help you rethink how you save and what you’re saving for. For Financial Independence Retire Early UK-based tips, you can find an early retirement checklist in our [How to retire early article](https:\/\/www.legalandgeneral.com\/retirement\/pensions\/guides\/how-to-retire-early\/). And you can also check out our own [Midlife MOT](https:\/\/www.open.edu\/openlearn\/midlife-mot-wealth-work-and-wellbeing\/content-section-overview?active-tab=description-tab). It could help you cut down your monthly spending and maybe get a raise, or find a new, better-paying job, leaving you on track for a comfortable income in retirement.\n\n## Related articles\n![How to retire early](https:\/\/www.legalandgeneral.com\/cdn-cgi\/image\/width=600\/asset\/4a8531\/globalassets\/personal\/retirement\/retirement-advice---accumulation-email\/how-to-retire-early-teaser.jpg)\n\n## How to retire early\nEarly retirement brings a wealth of benefits, but there is also a lot to consider. We guide you through the process of how to retire early.\n\n[How to retire early](https:\/\/www.legalandgeneral.com\/retirement\/pensions\/guides\/how-to-retire-early\/)\n\n![Women on laptop](https:\/\/www.legalandgeneral.com\/cdn-cgi\/image\/width=600\/asset\/4927ca\/globalassets\/personal\/investments\/_images\/hero-banners\/investing-for-beginners-teaser-638441937303021493.jpg)\n\n## Investing for beginners\nIf you’re new to investing, our guide aims to explain the jargon, help you decide whether a stocks and shares ISA is the right investment for you, and set you on the road to successful investing.\n\n[Investing for beginners](https:\/\/www.legalandgeneral.com\/investments\/stocks-and-shares-isa\/guides\/investing-for-beginners\/)\n\n![Smiling older woman talking on a mobile phone](https:\/\/www.legalandgeneral.com\/cdn-cgi\/image\/width=600\/asset\/497cb4\/globalassets\/personal\/retirement\/rewirement\/are-my-retirement-plans-on-track\/what-age-can-i-retire\/older-woman-on-phone-730x410-638490531144055184.jpg)\n\n## What age can I retire?\nWhether you're nearing retirement or considering working into your 70s and beyond, there's plenty to think about. We look at a few things that might help you choose the right retirement age.\n\n[What age can I retire?](https:\/\/www.legalandgeneral.com\/retirement\/pensions\/guides\/what-age-can-i-retire-early-retirement\/)\n\n- Cookie preferences\n- [Accessibility](https:\/\/www.legalandgeneral.com\/accessibility\/)\n- [Legal and regulatory information](https:\/\/www.legalandgeneral.com\/legal-information\/)\n- [Privacy notice](https:\/\/www.legalandgeneral.com\/privacy-notice\/)\n- [Security information](https:\/\/www.legalandgeneral.com\/security\/)\n- [Sitemap](https:\/\/www.legalandgeneral.com\/sitemap\/)\n- [All our sites](https:\/\/www.legalandgeneral.com\/all-our-sites\/)\n- [About us](https:\/\/www.legalandgeneral.com\/about-us\/)\n- [Making a complaint](https:\/\/www.legalandgeneral.com\/existing-customers\/making-a-complaint\/)\n- [Beware of scams](https:\/\/www.legalandgeneral.com\/beware-of-scams\/)\n- [Group website](https:\/\/group.legalandgeneral.com\/)\n- [Modern slavery statement](https:\/\/group.legalandgeneral.com\/media\/entfr4ey\/l-g-modern-slavery-statement-2024.pdf)\n- [Careers](https:\/\/www.legalandgeneral.com\/careers\/)\n\n© Legal & General Group plc 2026\n\n[![Legal & General](https:\/\/www.legalandgeneral.com\/asset\/492094\/globalassets\/global-shared-assets\/logos\/landg_logo.svg)](https:\/\/www.legalandgeneral.com\/)","attrs_readable_markdown":"06 Apr 2026\n\n### Could the FIRE movement help you retire early?\nDid you think you could only retire once you’re in your 60s, or maybe a bit earlier at 55? These days, that’s not your only choice. The FIRE movement wants to help you stop working when you’re much younger. Or you can aim for the financial freedom to only take on work you really want to do.\n\nFIRE (Financial Independence Retire Early), or sometimes FIRE (Financially Independent Retire Early), shows you how to live well while using less of the world’s resources, saving much more of your income, so that you ultimately only work if you want to.\n\n![Couple looking at paper](https:\/\/www.legalandgeneral.com\/cdn-cgi\/image\/width=800\/asset\/497c98\/globalassets\/personal\/retirement\/rewirement\/i-want-to-set-financial-goals\/the-fire-movement--what-is-it\/the-fire-movement-what-is-it-teaser-638490530914965653.jpg)\n\n## What is the Financial Independence Retire Early movement?\nThe FIRE movement began in the US with Vicki Robin and Joe Dominguez’s book, “Your Money or Your Life”, way back in 1992. But it didn’t really take off internationally until after 2010, when Jacob Lund Fisker’s “Early Retirement Extreme” came out.\n\nOver the last decade or so, FIRE ideals and ideas have spread far and wide online. It’s become a lifestyle choice for many Millennials in the US, the UK and beyond. There are even FIRE dating sites, to help you meet that special someone who shares your early retirement dreams.\n\nYou just need to save a lot more of your income than most people do – up to 70% of it.\n\n70%. Yes, that IS a lot of money to save.\n\nYou’ll need to cut your living costs by following a key FIRE principle: consume much less and live much more simply. That’s definitely a challenge. But FIRE followers have put a lot of advice and support online in blog posts, podcasts and on social media. We talk about how to have fun with your saving in our FIRE movement podcast episode of [A Little Bit Richer](https:\/\/www.legalandgeneral.com\/podcasts\/a-little-bit-richer\/ \"A Little Bit Richer\"), titled 'Finding financial freedom'.\n\n## Understanding the FIRE movement\nIn essence, the FIRE movement is about deciding when you want to stop working (often earlier than traditional retirement ages), then saving up to live your ideal lifestyle when you get there. It recommends three main lifestyles you can aim for:\n\n- Lean FIRE, where you live frugally, based on a lower income in retirement\n- Fat FIRE, where you have a big savings pot, so can live more luxuriously\n- Barista FIRE, where you still work part time or get support from an unretired partner\n\nOnce you know when and how you’d like to retire, you can work out how much you need to save. The [Retirement Living Standards](https:\/\/www.retirementlivingstandards.org.uk\/) website will help you think about that for yourself. To give you an idea, they suggest you'll need about £31,700 a year for a moderate retirement if you're living outside of London - and that doesn't include your rent or mortgage. The new State Pension for 2026 to 2027 is £12,547. So you can start to picture how much you'll need to save to fund the retirement you're hoping for.\n\nAnd then you just start saving\\!\n\nYou’ll probably need to make some changes to your current lifestyle. Most FIRE followers live as simply as possible, so they can put away all the money they need to. They invest that money to achieve the best possible returns.\n\nThey also look to pay off their mortgages and any other debts, to cut their monthly spend. But that shouldn’t mean living insecurely. Whatever your savings plan, you should always have an easily available emergency fund that can cover three to six months of your expenses.\n\n## Who is the FIRE movement for?\nFIRE’s very popular with younger people who don’t mind making sacrifices during their working lives. For some people, it’s a lifestyle thing. They want to retire as early as possible and live life on their own terms. For others, it’s about protecting the planet by leading simpler lives and consuming less.\n\nWhatever your motivation, if you’d like to live more simply and have more control over your life, FIRE could be for you.\n\n## How does the Financial Independence Retire Early method work?\nThere’s global interest in joining the FIRE movement. UK FIRE followers might find some of these tips handy:\n\n### Grow your income\nSee if you can earn more money in your current role, or find a better-paying job. Look for side hustles – maybe you have a hobby that can bring in a little extra cash every month. And do you have any assets that could work harder for you? In series three of our podcast [Rewirement](https:\/\/www.legalandgeneral.com\/podcasts\/rewirement\/), Amy shares how she and her husband Dan made their way out of debt using innovative sources of income – like renting out their parking space and online mystery shopping.\n\n### Cut your spending\nList your regular costs and see what you can cut down. Pay off any loans and haggle down or cancel any subscriptions. Stop buying takeaway food or drink, start seeing what you can make or recycle yourself. Look for cheaper or free ways of spending your time – volunteering can be a great option.\n\n### Save more efficiently\nPay into your pension, making full use of any employer support. If you don’t have a [personal pension](https:\/\/www.legalandgeneral.com\/retirement\/pensions\/personal-pension\/), set one up. And don’t let your money just sit in a savings account – find ways of investing it. Our [Stocks & Shares ISA](https:\/\/www.legalandgeneral.com\/investments\/stocks-and-shares-isa\/) can be a great starting point if you’re new to investing.\n\n### Plan for the long term\nKnow [what age you can retire](https:\/\/www.legalandgeneral.com\/retirement\/pensions\/guides\/what-age-can-i-retire-early-retirement\/). Set clear, long-term goals for yourself. Investing earlier and letting your money grow for longer should give you bigger returns later on. If you want to retire before you can access your pension, plan to fund your lifestyle with at most 4% of your savings each year.\n\n## What should I do next?\nFIRE isn’t for everyone. But it’s an interesting and increasingly popular approach to retirement. Even if you don’t end up retiring at 55, it might help you rethink how you save and what you’re saving for. For Financial Independence Retire Early UK-based tips, you can find an early retirement checklist in our [How to retire early article](https:\/\/www.legalandgeneral.com\/retirement\/pensions\/guides\/how-to-retire-early\/). And you can also check out our own [Midlife MOT](https:\/\/www.open.edu\/openlearn\/midlife-mot-wealth-work-and-wellbeing\/content-section-overview?active-tab=description-tab). It could help you cut down your monthly spending and maybe get a raise, or find a new, better-paying job, leaving you on track for a comfortable income in retirement.","meta_canonical":null}

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Boilerpipe Text	06 Apr 2026 Could the FIRE movement help you retire early? Did you think you could only retire once you’re in your 60s, or maybe a bit earlier at 55? These days, that’s not your only choice. The FIRE movement wants to help you stop working when you’re much younger. Or you can aim for the financial freedom to only take on work you really want to do. FIRE (Financial Independence Retire Early), or sometimes FIRE (Financially Independent Retire Early), shows you how to live well while using less of the world’s resources, saving much more of your income, so that you ultimately only work if you want to. What is the Financial Independence Retire Early movement? The FIRE movement began in the US with Vicki Robin and Joe Dominguez’s book, “Your Money or Your Life”, way back in 1992. But it didn’t really take off internationally until after 2010, when Jacob Lund Fisker’s “Early Retirement Extreme” came out. Over the last decade or so, FIRE ideals and ideas have spread far and wide online. It’s become a lifestyle choice for many Millennials in the US, the UK and beyond. There are even FIRE dating sites, to help you meet that special someone who shares your early retirement dreams. You just need to save a lot more of your income than most people do – up to 70% of it. 70%. Yes, that IS a lot of money to save. You’ll need to cut your living costs by following a key FIRE principle: consume much less and live much more simply. That’s definitely a challenge. But FIRE followers have put a lot of advice and support online in blog posts, podcasts and on social media. We talk about how to have fun with your saving in our FIRE movement podcast episode of A Little Bit Richer , titled 'Finding financial freedom'. Understanding the FIRE movement In essence, the FIRE movement is about deciding when you want to stop working (often earlier than traditional retirement ages), then saving up to live your ideal lifestyle when you get there. It recommends three main lifestyles you can aim for: Lean FIRE, where you live frugally, based on a lower income in retirement Fat FIRE, where you have a big savings pot, so can live more luxuriously Barista FIRE, where you still work part time or get support from an unretired partner Once you know when and how you’d like to retire, you can work out how much you need to save. The Retirement Living Standards website will help you think about that for yourself. To give you an idea, they suggest you'll need about £31,700 a year for a moderate retirement if you're living outside of London - and that doesn't include your rent or mortgage. The new State Pension for 2026 to 2027 is £12,547. So you can start to picture how much you'll need to save to fund the retirement you're hoping for. And then you just start saving! You’ll probably need to make some changes to your current lifestyle. Most FIRE followers live as simply as possible, so they can put away all the money they need to. They invest that money to achieve the best possible returns. They also look to pay off their mortgages and any other debts, to cut their monthly spend. But that shouldn’t mean living insecurely. Whatever your savings plan, you should always have an easily available emergency fund that can cover three to six months of your expenses. Who is the FIRE movement for? FIRE’s very popular with younger people who don’t mind making sacrifices during their working lives. For some people, it’s a lifestyle thing. They want to retire as early as possible and live life on their own terms. For others, it’s about protecting the planet by leading simpler lives and consuming less. Whatever your motivation, if you’d like to live more simply and have more control over your life, FIRE could be for you. How does the Financial Independence Retire Early method work? There’s global interest in joining the FIRE movement. UK FIRE followers might find some of these tips handy: Grow your income See if you can earn more money in your current role, or find a better-paying job. Look for side hustles – maybe you have a hobby that can bring in a little extra cash every month. And do you have any assets that could work harder for you? In series three of our podcast Rewirement , Amy shares how she and her husband Dan made their way out of debt using innovative sources of income – like renting out their parking space and online mystery shopping. Cut your spending List your regular costs and see what you can cut down. Pay off any loans and haggle down or cancel any subscriptions. Stop buying takeaway food or drink, start seeing what you can make or recycle yourself. Look for cheaper or free ways of spending your time – volunteering can be a great option. Save more efficiently Pay into your pension, making full use of any employer support. If you don’t have a personal pension , set one up. And don’t let your money just sit in a savings account – find ways of investing it. Our Stocks & Shares ISA can be a great starting point if you’re new to investing. Plan for the long term Know what age you can retire . Set clear, long-term goals for yourself. Investing earlier and letting your money grow for longer should give you bigger returns later on. If you want to retire before you can access your pension, plan to fund your lifestyle with at most 4% of your savings each year. What should I do next? FIRE isn’t for everyone. But it’s an interesting and increasingly popular approach to retirement. Even if you don’t end up retiring at 55, it might help you rethink how you save and what you’re saving for. For Financial Independence Retire Early UK-based tips, you can find an early retirement checklist in our How to retire early article . And you can also check out our own Midlife MOT . It could help you cut down your monthly spending and maybe get a raise, or find a new, better-paying job, leaving you on track for a comfortable income in retirement.
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[Retirement](https://www.legalandgeneral.com/retirement/) 2\. [Pension guides](https://www.legalandgeneral.com/retirement/pensions/guides/) 3\. [The FIRE movement – what is it?](https://www.legalandgeneral.com/retirement/pensions/guides/the-fire-movement-what-is-it/) 06 Apr 2026 # The FIRE movement – what is it? ### Could the FIRE movement help you retire early? Did you think you could only retire once you’re in your 60s, or maybe a bit earlier at 55? These days, that’s not your only choice. The FIRE movement wants to help you stop working when you’re much younger. Or you can aim for the financial freedom to only take on work you really want to do. FIRE (Financial Independence Retire Early), or sometimes FIRE (Financially Independent Retire Early), shows you how to live well while using less of the world’s resources, saving much more of your income, so that you ultimately only work if you want to. ![Couple looking at paper](https://www.legalandgeneral.com/cdn-cgi/image/width=800/asset/497c98/globalassets/personal/retirement/rewirement/i-want-to-set-financial-goals/the-fire-movement--what-is-it/the-fire-movement-what-is-it-teaser-638490530914965653.jpg) ## Ready to try and get A Little Bit Richer? Listen to our new season with Iona Bain and guests talking about money. If you're thinking of big milestones, perhaps a new home, a family, early retirement or all of these, we'll help you get a grip on your financial future. [Listen to A Little Bit Richer](https://www.legalandgeneral.com/podcasts/a-little-bit-richer/) ## What is the Financial Independence Retire Early movement? The FIRE movement began in the US with Vicki Robin and Joe Dominguez’s book, “Your Money or Your Life”, way back in 1992. But it didn’t really take off internationally until after 2010, when Jacob Lund Fisker’s “Early Retirement Extreme” came out. Over the last decade or so, FIRE ideals and ideas have spread far and wide online. It’s become a lifestyle choice for many Millennials in the US, the UK and beyond. There are even FIRE dating sites, to help you meet that special someone who shares your early retirement dreams. You just need to save a lot more of your income than most people do – up to 70% of it. 70%. Yes, that IS a lot of money to save. You’ll need to cut your living costs by following a key FIRE principle: consume much less and live much more simply. That’s definitely a challenge. But FIRE followers have put a lot of advice and support online in blog posts, podcasts and on social media. We talk about how to have fun with your saving in our FIRE movement podcast episode of [A Little Bit Richer](https://www.legalandgeneral.com/podcasts/a-little-bit-richer/ "A Little Bit Richer"), titled 'Finding financial freedom'. ## Finding financial freedom - video transcript We talk about money here but actually it's about what it can allow you to do. So get really, really deep with yourself in terms of what you want your life to look like, what's important to you, what your values are. Because developing your goals based around this will make it a lot easier to have the motivation to save. The second one is – save as much as you can as early as you can, because it really does make a big difference to the amount that you can save over time and you get the awesome impact of compound growth as well. And then the third thing is - have fun with it. So I think sometimes we are at risk of not enjoying the saving that we do because we see it as something to sacrifice. We're sacrificing things in the now for things in the future but actually make it fun. Make it a game, think about the rewards that you can offer yourself and feel empowered. ## Understanding the FIRE movement In essence, the FIRE movement is about deciding when you want to stop working (often earlier than traditional retirement ages), then saving up to live your ideal lifestyle when you get there. It recommends three main lifestyles you can aim for: - Lean FIRE, where you live frugally, based on a lower income in retirement - Fat FIRE, where you have a big savings pot, so can live more luxuriously - Barista FIRE, where you still work part time or get support from an unretired partner Once you know when and how you’d like to retire, you can work out how much you need to save. The [Retirement Living Standards](https://www.retirementlivingstandards.org.uk/) website will help you think about that for yourself. To give you an idea, they suggest you'll need about £31,700 a year for a moderate retirement if you're living outside of London - and that doesn't include your rent or mortgage. The new State Pension for 2026 to 2027 is £12,547. So you can start to picture how much you'll need to save to fund the retirement you're hoping for. And then you just start saving\! You’ll probably need to make some changes to your current lifestyle. Most FIRE followers live as simply as possible, so they can put away all the money they need to. They invest that money to achieve the best possible returns. They also look to pay off their mortgages and any other debts, to cut their monthly spend. But that shouldn’t mean living insecurely. Whatever your savings plan, you should always have an easily available emergency fund that can cover three to six months of your expenses. ## Who is the FIRE movement for? FIRE’s very popular with younger people who don’t mind making sacrifices during their working lives. For some people, it’s a lifestyle thing. They want to retire as early as possible and live life on their own terms. For others, it’s about protecting the planet by leading simpler lives and consuming less. Whatever your motivation, if you’d like to live more simply and have more control over your life, FIRE could be for you. ## How does the Financial Independence Retire Early method work? There’s global interest in joining the FIRE movement. UK FIRE followers might find some of these tips handy: ### Grow your income See if you can earn more money in your current role, or find a better-paying job. Look for side hustles – maybe you have a hobby that can bring in a little extra cash every month. And do you have any assets that could work harder for you? In series three of our podcast [Rewirement](https://www.legalandgeneral.com/podcasts/rewirement/), Amy shares how she and her husband Dan made their way out of debt using innovative sources of income – like renting out their parking space and online mystery shopping. ### Cut your spending List your regular costs and see what you can cut down. Pay off any loans and haggle down or cancel any subscriptions. Stop buying takeaway food or drink, start seeing what you can make or recycle yourself. Look for cheaper or free ways of spending your time – volunteering can be a great option. ### Save more efficiently Pay into your pension, making full use of any employer support. If you don’t have a [personal pension](https://www.legalandgeneral.com/retirement/pensions/personal-pension/), set one up. And don’t let your money just sit in a savings account – find ways of investing it. Our [Stocks & Shares ISA](https://www.legalandgeneral.com/investments/stocks-and-shares-isa/) can be a great starting point if you’re new to investing. ## Our Stocks and Shares ISA Learn all about our Stocks and Shares ISA and it's key benefits. [Learn more about our ISA](https://www.legalandgeneral.com/investments/stocks-and-shares-isa/) ### Plan for the long term Know [what age you can retire](https://www.legalandgeneral.com/retirement/pensions/guides/what-age-can-i-retire-early-retirement/). Set clear, long-term goals for yourself. Investing earlier and letting your money grow for longer should give you bigger returns later on. If you want to retire before you can access your pension, plan to fund your lifestyle with at most 4% of your savings each year. ## What should I do next? FIRE isn’t for everyone. But it’s an interesting and increasingly popular approach to retirement. Even if you don’t end up retiring at 55, it might help you rethink how you save and what you’re saving for. For Financial Independence Retire Early UK-based tips, you can find an early retirement checklist in our [How to retire early article](https://www.legalandgeneral.com/retirement/pensions/guides/how-to-retire-early/). And you can also check out our own [Midlife MOT](https://www.open.edu/openlearn/midlife-mot-wealth-work-and-wellbeing/content-section-overview?active-tab=description-tab). It could help you cut down your monthly spending and maybe get a raise, or find a new, better-paying job, leaving you on track for a comfortable income in retirement. ## Related articles ![How to retire early](https://www.legalandgeneral.com/cdn-cgi/image/width=600/asset/4a8531/globalassets/personal/retirement/retirement-advice---accumulation-email/how-to-retire-early-teaser.jpg) ## How to retire early Early retirement brings a wealth of benefits, but there is also a lot to consider. We guide you through the process of how to retire early. [How to retire early](https://www.legalandgeneral.com/retirement/pensions/guides/how-to-retire-early/) ![Women on laptop](https://www.legalandgeneral.com/cdn-cgi/image/width=600/asset/4927ca/globalassets/personal/investments/_images/hero-banners/investing-for-beginners-teaser-638441937303021493.jpg) ## Investing for beginners If you’re new to investing, our guide aims to explain the jargon, help you decide whether a stocks and shares ISA is the right investment for you, and set you on the road to successful investing. [Investing for beginners](https://www.legalandgeneral.com/investments/stocks-and-shares-isa/guides/investing-for-beginners/) ![Smiling older woman talking on a mobile phone](https://www.legalandgeneral.com/cdn-cgi/image/width=600/asset/497cb4/globalassets/personal/retirement/rewirement/are-my-retirement-plans-on-track/what-age-can-i-retire/older-woman-on-phone-730x410-638490531144055184.jpg) ## What age can I retire? Whether you're nearing retirement or considering working into your 70s and beyond, there's plenty to think about. We look at a few things that might help you choose the right retirement age. 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Readable Markdown	06 Apr 2026 ### Could the FIRE movement help you retire early? Did you think you could only retire once you’re in your 60s, or maybe a bit earlier at 55? These days, that’s not your only choice. The FIRE movement wants to help you stop working when you’re much younger. Or you can aim for the financial freedom to only take on work you really want to do. FIRE (Financial Independence Retire Early), or sometimes FIRE (Financially Independent Retire Early), shows you how to live well while using less of the world’s resources, saving much more of your income, so that you ultimately only work if you want to. ![Couple looking at paper](https://www.legalandgeneral.com/cdn-cgi/image/width=800/asset/497c98/globalassets/personal/retirement/rewirement/i-want-to-set-financial-goals/the-fire-movement--what-is-it/the-fire-movement-what-is-it-teaser-638490530914965653.jpg) ## What is the Financial Independence Retire Early movement? The FIRE movement began in the US with Vicki Robin and Joe Dominguez’s book, “Your Money or Your Life”, way back in 1992. But it didn’t really take off internationally until after 2010, when Jacob Lund Fisker’s “Early Retirement Extreme” came out. Over the last decade or so, FIRE ideals and ideas have spread far and wide online. It’s become a lifestyle choice for many Millennials in the US, the UK and beyond. There are even FIRE dating sites, to help you meet that special someone who shares your early retirement dreams. You just need to save a lot more of your income than most people do – up to 70% of it. 70%. Yes, that IS a lot of money to save. You’ll need to cut your living costs by following a key FIRE principle: consume much less and live much more simply. That’s definitely a challenge. But FIRE followers have put a lot of advice and support online in blog posts, podcasts and on social media. We talk about how to have fun with your saving in our FIRE movement podcast episode of [A Little Bit Richer](https://www.legalandgeneral.com/podcasts/a-little-bit-richer/ "A Little Bit Richer"), titled 'Finding financial freedom'. ## Understanding the FIRE movement In essence, the FIRE movement is about deciding when you want to stop working (often earlier than traditional retirement ages), then saving up to live your ideal lifestyle when you get there. It recommends three main lifestyles you can aim for: - Lean FIRE, where you live frugally, based on a lower income in retirement - Fat FIRE, where you have a big savings pot, so can live more luxuriously - Barista FIRE, where you still work part time or get support from an unretired partner Once you know when and how you’d like to retire, you can work out how much you need to save. The [Retirement Living Standards](https://www.retirementlivingstandards.org.uk/) website will help you think about that for yourself. To give you an idea, they suggest you'll need about £31,700 a year for a moderate retirement if you're living outside of London - and that doesn't include your rent or mortgage. The new State Pension for 2026 to 2027 is £12,547. So you can start to picture how much you'll need to save to fund the retirement you're hoping for. And then you just start saving\! You’ll probably need to make some changes to your current lifestyle. Most FIRE followers live as simply as possible, so they can put away all the money they need to. They invest that money to achieve the best possible returns. They also look to pay off their mortgages and any other debts, to cut their monthly spend. But that shouldn’t mean living insecurely. Whatever your savings plan, you should always have an easily available emergency fund that can cover three to six months of your expenses. ## Who is the FIRE movement for? FIRE’s very popular with younger people who don’t mind making sacrifices during their working lives. For some people, it’s a lifestyle thing. They want to retire as early as possible and live life on their own terms. For others, it’s about protecting the planet by leading simpler lives and consuming less. Whatever your motivation, if you’d like to live more simply and have more control over your life, FIRE could be for you. ## How does the Financial Independence Retire Early method work? There’s global interest in joining the FIRE movement. UK FIRE followers might find some of these tips handy: ### Grow your income See if you can earn more money in your current role, or find a better-paying job. Look for side hustles – maybe you have a hobby that can bring in a little extra cash every month. And do you have any assets that could work harder for you? In series three of our podcast [Rewirement](https://www.legalandgeneral.com/podcasts/rewirement/), Amy shares how she and her husband Dan made their way out of debt using innovative sources of income – like renting out their parking space and online mystery shopping. ### Cut your spending List your regular costs and see what you can cut down. Pay off any loans and haggle down or cancel any subscriptions. Stop buying takeaway food or drink, start seeing what you can make or recycle yourself. Look for cheaper or free ways of spending your time – volunteering can be a great option. ### Save more efficiently Pay into your pension, making full use of any employer support. If you don’t have a [personal pension](https://www.legalandgeneral.com/retirement/pensions/personal-pension/), set one up. And don’t let your money just sit in a savings account – find ways of investing it. Our [Stocks & Shares ISA](https://www.legalandgeneral.com/investments/stocks-and-shares-isa/) can be a great starting point if you’re new to investing. ### Plan for the long term Know [what age you can retire](https://www.legalandgeneral.com/retirement/pensions/guides/what-age-can-i-retire-early-retirement/). Set clear, long-term goals for yourself. Investing earlier and letting your money grow for longer should give you bigger returns later on. If you want to retire before you can access your pension, plan to fund your lifestyle with at most 4% of your savings each year. ## What should I do next? FIRE isn’t for everyone. But it’s an interesting and increasingly popular approach to retirement. Even if you don’t end up retiring at 55, it might help you rethink how you save and what you’re saving for. For Financial Independence Retire Early UK-based tips, you can find an early retirement checklist in our [How to retire early article](https://www.legalandgeneral.com/retirement/pensions/guides/how-to-retire-early/). And you can also check out our own [Midlife MOT](https://www.open.edu/openlearn/midlife-mot-wealth-work-and-wellbeing/content-section-overview?active-tab=description-tab). It could help you cut down your monthly spending and maybe get a raise, or find a new, better-paying job, leaving you on track for a comfortable income in retirement.
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