🕷️ Crawler Inspector

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Raw Queries and Responses

1. Shard Calculation

Query:

Response:

Calculated Shard: 54 (from laksa140)

2. Crawled Status Check

Query:

curl -X POST \
  'http://laksa054.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://yoquierodineropodcast.com/5-types-of-fire-movements/\')), getAhrefsUnparsedNoserviceFromURL(\'https://yoquierodineropodcast.com/5-types-of-fire-movements/\'))) FORMAT JSONEachRow'

Response:

{"found_url":"https:\/\/yoquierodineropodcast.com\/5-types-of-fire-movements\/","crawl_time":1776129494,"first_indexed_time":1648619895,"http_code":200,"src_unparsed":"com,yoquierodineropodcast!\/5-types-of-fire-movements\/ s443","src_root_hash":"3007987603519020654","history_drop_reason":null,"meta_title":"The 5 Different Types of FIRE Movements - Yo Quiero Dinero","meta_descriptions":["Intrigued by the FIRE movement but not into the frugal lifestyle it most often demands? There are actually different types of FIRE for different lifestyles! Read on to find out which iteration best fits you and your lifestyle.","You know what FI\/RE is and you're sold. This is the life for you. But did you know there are several different types of FI\/RE? Read on to find out which iteration best fits you and your lifestyle!"],"attrs_boilerpipe_text":"Intrigued by the FIRE movement but not into the frugal lifestyle it most often demands? There are actually different types of FIRE for different lifestyles! Read on to find out which iteration best fits you and your lifestyle.\nFI\/RE , also known as FIRE, stands for\nFinancial Independence, Retire Early\n. The 3 main tenants of the FIRE movement include:\nSaving a massive amount of your income (usually 50% or more)\nLiving well below your means\nInvesting heavily in low cost index funds\nThe purpose of the FIRE lifestyle is to allow you to become work-optional years—or even decades—prior to the traditional retirement age of 65+. While this initial concept was developed in the 1990s, the FIRE movement now has many different iterations that allow you to customize your journey towards the overall goal of financial independence.\nThe Standard Approach To The FIRE Movement\nCalculating your FIRE number\n \nis based on adding up your annual expenses and multiplying the total by 25.\nThis is known as the 25x rule.\nAs we always say, personal finance is personal, and determining your FIRE number requires a good amount of personal reflection. You should consider the 25x rule as a goal-setting tool, rather than a precise prediction. \nOn average, the average total annual expense for a family in the United States is around $60,000, so the traditional FIRE number is $1,500,000.\n        – U.S. Bureau of Labor Statistics. “\nConsumer Expenditures – 2019\n“\nThe 25x rule can help you refine your retirement plans. But you probably shouldn’t hang your entire retirement on this formula alone. You’ll want to ask yourself questions like:\nWhere will you live and what does the cost of living look like?\nHow will I pay for health insurance?\nWho else is relying on me for income?\nDo I expect to travel a lot or be a homebody?\nThis is the standard approach to the FIRE movement, but there are many other approaches, as we will dive into below.\nLean FIRE\nThink FIRE, but on a budget. People who opt in to Lean FIRE will typically have an expected annual retirement expenditure amount of $40,000 or below. If your current expenses are low, and you don’t plan on increasing them by a lot in retirement, this might be the most fitting types of FI\/RE for you. This version of the FIRE movement also appeals to those opting for a very minimalist lifestyle as they are on their FIRE journey as well as during retirement.\nExample: If you plan to spend $30,000\nannually in retirement, your portfolio would need to reach $750,000\n,\nper the 25x rule.\nCoast FIRE\nYou achieve coast FI\/RE when you have enough money invested at an early enough age that you no longer need to invest any more to reach financial independence by the traditional retirement age of 65-69. This type of FIRE is great for 1) people who are not in a rush to retire early but want to ensure they are set financially for retirement, and 2) tracking your progress.\nFollowing a Coast FIRE approach, if you could save $182,000 by age 30 and simply not touch that money for 35 years, then it would eventually grow to $1 million by age 65 assuming a 5% annual rate of return after inflation\n.\nFat FIRE\nThis is FIRE, but ballin’, meaning this is for people who want to live lavishly. People who pursue Fat FIRE expect a high annual expenditure, usually upwards of $100,000 per year. We’re talkin’ carros del año, trips always, no restrictions on luxury items.\nWith Fat FIRE, you are truly free to live like a boss. You can do whatever you want, wherever you want in the world. And if you choose to earn supplemental income because it makes you happy, that’s an option too. It’s the hardest level of FIRE to achieve, but arguably, the most fun.\nBarista FIRE\nThink FIRE, but hybrid. Under this type of FIRE, you are still saving for a specific amount following the 4% rule. However: you don’t want to grind away at work during what some may call some of the best years of your life. Instead, under Barista FIRE, you’ll have the option of quitting your day job, withdrawing 4% of the portfolio you have built up so far, annually, and supplementing the income that’s left to be covered with your side hustle or a lower stress job that you would enjoy—like, say, becoming a barista, hence the name.\nKey thing here is\nchoice\nand freedom. By building your\nF.U. fund\nand investing consistently, you could choose to leave a toxic workplace in pursuit of a job that you are more excited about. Barista FIRE also allows you to test run early retirement, so you can get an idea of\nwhat life in FI\/RE could look like\n.\nSlow FI\nCoined by\nThe Fioneers\n, Slow FI is the concept of incrementally taking steps to build more joy and freedom into your life, while pursuing FIRE. The Fioneers define Slow FI as:\n“When someone utilizes the incremental financial freedom they gain along the journey to financial independence to live happier and healthier lives, do better work, and build strong relationships..”\nPeople pursuing Slow FI could retire early or could retire at the traditional retirement age. The ultimate goal is full financial independence (AKA not having to rely on a job as your primary source of income and financial stability), but the focus is on making the journey as remarkable as the destination.\nLike slow dining and slow travel, Slow FI focuses on the process, connection to the world and people around us, and our experiences along the journey. Slow FI enables us to live our best lives along the way.\nThe FIRE Movement Is For Everyone\nJust like personal finance, your FIRE journey is personal. Pursuing early retirement is not just for the ultra-rich. With the right level of planning and intentionality, you can also achieve FIRE and not have to work for the rest of your life. \nCheck Out Our Podcast Episodes About FIRE:\nEpisode 230: How To Pursue FIRE With Your Sibling\nEpisode 216: How To Pursue FIRE With A Disability\nEpisode 186: How To Become Work Optional Before Hitting Your FIRE Number\nEpisode 139. How To Achieve FIRE With Real Estate\nEpisode 105. How To Achieve FIRE With A 9-5\nEpisode 93. How FU Money Can Help You Pivot Your Career\nEpisode 92. How To Use Your 401(K) To Pursue Financial Independence\nEpisode 76. How To Buy Back Your Freedom With FIRE\nEpisode 69. How To Pursue FIRE As A Couple With Different Income Levels\nEpisode 58: How To Retire Early and Live An Intentional Life\nEpisode 31: Why Achieving Financial Independence Matters For Communities of Color\nEpisode 7. Set Yourself On FI\/RE\nGET THE FREE SIDE HUSTLE STARTER WORKBOOK\n10-Steps to Launching Your Money-Making Side Hustle\nWANT TO KICKSTART YOUR FINANCIAL JOURNEY?\nDownload our\nFREE\n 14-page guide covering all the topics you need to start making your dinero moves.\nVisit here\n. From money mindset, to budget basics, we’ve got you covered.\n*This post may contain affiliate links and I may earn a small commission when you click on the links at no additional cost to you. This helps us provide you with free content, like this blog! You can read my full disclaimer here:\nhttps:\/\/yoquierodineropodcast.com\/policy","attrs_markdown":"Cookie Policy\n\nTo provide the best experiences, we use technologies like cookies to store and\/or access device information. Consenting to these technologies will allow us to process data such as browsing behavior or unique IDs on this site. Not consenting or withdrawing consent, may adversely affect certain features and functions.\n\nFunctional\n\nFunctional\n\nAlways active\n\nThe technical storage or access is strictly necessary for the legitimate purpose of enabling the use of a specific service explicitly requested by the subscriber or user, or for the sole purpose of carrying out the transmission of a communication over an electronic communications network.\n\nPreferences\n\nPreferences\n\nThe technical storage or access is necessary for the legitimate purpose of storing preferences that are not requested by the subscriber or user.\n\nStatistics\n\nStatistics\n\nThe technical storage or access that is used exclusively for statistical purposes. The technical storage or access that is used exclusively for anonymous statistical purposes. Without a subpoena, voluntary compliance on the part of your Internet Service Provider, or additional records from a third party, information stored or retrieved for this purpose alone cannot usually be used to identify you.\n\nMarketing\n\nMarketing\n\nThe technical storage or access is required to create user profiles to send advertising, or to track the user on a website or across several websites for similar marketing purposes.\n\n- [Manage options](https:\/\/yoquierodineropodcast.com\/privacy-policy\/#cmplz-manage-consent-container)\n- [Manage services](https:\/\/yoquierodineropodcast.com\/privacy-policy\/#cmplz-cookies-overview)\n- [Manage {vendor\\_count} vendors](https:\/\/yoquierodineropodcast.com\/privacy-policy\/#cmplz-tcf-wrapper)\n- [Read more about these purposes](https:\/\/cookiedatabase.org\/tcf\/purposes\/)\n\nAccept\n\nDeny\n\nView preferences\n\nSave preferences\n\n[View preferences](https:\/\/yoquierodineropodcast.com\/privacy-policy\/#cmplz-manage-consent-container)\n\n- [Privacy Policy](https:\/\/yoquierodineropodcast.com\/privacy-policy\/)\n- [{title}](https:\/\/yoquierodineropodcast.com\/5-types-of-fire-movements\/)\n- [{title}](https:\/\/yoquierodineropodcast.com\/5-types-of-fire-movements\/)\n\n[Skip to content](https:\/\/yoquierodineropodcast.com\/5-types-of-fire-movements\/#content)\n\n- [Start Here](https:\/\/yoquierodineropodcast.com\/work-with-me\/)\n- [About](https:\/\/yoquierodineropodcast.com\/about\/)\n- [Money Tools](https:\/\/yoquierodineropodcast.com\/moneytools\/)\n- [Get My Book](https:\/\/financiallylitbook.com\/)\n\n- [Start Here](https:\/\/yoquierodineropodcast.com\/work-with-me\/)\n- [About](https:\/\/yoquierodineropodcast.com\/about\/)\n- [Money Tools](https:\/\/yoquierodineropodcast.com\/moneytools\/)\n- [Get My Book](https:\/\/financiallylitbook.com\/)\n\n[![](https:\/\/yoquierodineropodcast.com\/wp-content\/uploads\/2021\/08\/2.png)](https:\/\/yoquierodineropodcast.com\/)\n\n- [Podcast](https:\/\/yoquierodineropodcast.com\/podcast\/)\n- [Blog](https:\/\/yoquierodineropodcast.com\/blog\/)\n- [Partner With YQD](https:\/\/yoquierodineropodcast.com\/workwithyqd\/)\n  - [In The Media](https:\/\/yoquierodineropodcast.com\/media\/)\n- [Contact](https:\/\/yoquierodineropodcast.com\/contact\/)\n- [Login](https:\/\/courses.yoquierodineropodcast.com\/login)\n\n- [Podcast](https:\/\/yoquierodineropodcast.com\/podcast\/)\n- [Blog](https:\/\/yoquierodineropodcast.com\/blog\/)\n- [Partner With YQD](https:\/\/yoquierodineropodcast.com\/workwithyqd\/)\n  - [In The Media](https:\/\/yoquierodineropodcast.com\/media\/)\n- [Contact](https:\/\/yoquierodineropodcast.com\/contact\/)\n- [Login](https:\/\/courses.yoquierodineropodcast.com\/login)\n\nthe blog\n\n- [Building Wealth](https:\/\/yoquierodineropodcast.com\/category\/building-wealth\/), [Investing & FIRE](https:\/\/yoquierodineropodcast.com\/category\/investing\/)\n# The 5 Different Types of FIRE Movements\n\n#### Table of Contents\nFacebook\n\nTwitter\n\nLinkedIn\n\nPinterest\n\nEmail\n\n![The 5 Different Types of FIRE Movements](https:\/\/yoquierodineropodcast.com\/wp-content\/uploads\/2021\/04\/Digital-Products-Blog-Pinterest-Pin-1-200x300.png)\n\nIntrigued by the FIRE movement but not into the frugal lifestyle it most often demands? There are actually different types of FIRE for different lifestyles! Read on to find out which iteration best fits you and your lifestyle.\n\n![The 5 Different Types of FIRE Movements](https:\/\/yoquierodineropodcast.com\/wp-content\/uploads\/2022\/03\/360_F_334029967_jxTsAWReIzSuElGsbx3s7FaCWOhemoKM.jpg)\n\nFI\/RE , also known as FIRE, stands for [**Financial Independence, Retire Early**](https:\/\/yoquierodineropodcast.com\/what-is-fire-financial-independence-retire-early\/). The 3 main tenants of the FIRE movement include:\n\n- Saving a massive amount of your income (usually 50% or more)\n- Living well below your means\n- Investing heavily in low cost index funds\n\nThe purpose of the FIRE lifestyle is to allow you to become work-optional years—or even decades—prior to the traditional retirement age of 65+. While this initial concept was developed in the 1990s, the FIRE movement now has many different iterations that allow you to customize your journey towards the overall goal of financial independence.\n\n## The Standard Approach To The FIRE Movement\n[**Calculating your FIRE number**](https:\/\/yoquierodineropodcast.com\/how-to-calculate-your-fire-number\/) is based on adding up your annual expenses and multiplying the total by 25. **This is known as the 25x rule.** As we always say, personal finance is personal, and determining your FIRE number requires a good amount of personal reflection. You should consider the 25x rule as a goal-setting tool, rather than a precise prediction.\n\n> On average, the average total annual expense for a family in the United States is around \\$60,000, so the traditional FIRE number is \\$1,500,000.\n> \n> – U.S. Bureau of Labor Statistics. “[Consumer Expenditures – 2019](https:\/\/www.bls.gov\/news.release\/pdf\/cesan.pdf)“\n\nThe 25x rule can help you refine your retirement plans. But you probably shouldn’t hang your entire retirement on this formula alone. You’ll want to ask yourself questions like:\n\n- Where will you live and what does the cost of living look like?\n- How will I pay for health insurance?\n- Who else is relying on me for income?\n- Do I expect to travel a lot or be a homebody?\n\nThis is the standard approach to the FIRE movement, but there are many other approaches, as we will dive into below.\n\n## Lean FIRE\nThink FIRE, but on a budget. People who opt in to Lean FIRE will typically have an expected annual retirement expenditure amount of \\$40,000 or below. If your current expenses are low, and you don’t plan on increasing them by a lot in retirement, this might be the most fitting types of FI\/RE for you. This version of the FIRE movement also appeals to those opting for a very minimalist lifestyle as they are on their FIRE journey as well as during retirement.\n\n***Example: If you plan to spend \\$30,000* *annually in retirement, your portfolio would need to reach \\$750,000*, *per the 25x rule.***\n\n## Coast FIRE\nYou achieve coast FI\/RE when you have enough money invested at an early enough age that you no longer need to invest any more to reach financial independence by the traditional retirement age of 65-69. This type of FIRE is great for 1) people who are not in a rush to retire early but want to ensure they are set financially for retirement, and 2) tracking your progress.\n\n***Following a Coast FIRE approach, if you could save \\$182,000 by age 30 and simply not touch that money for 35 years, then it would eventually grow to \\$1 million by age 65 assuming a 5% annual rate of return after inflation***.\n\n[![Coast FIRE example](https:\/\/fourpillarfreedom.com\/wp-content\/uploads\/2019\/06\/coastFIRE1-1.jpg)](https:\/\/fourpillarfreedom.com\/what-is-coast-fire\/)\n\n## Fat FIRE\nThis is FIRE, but ballin’, meaning this is for people who want to live lavishly. People who pursue Fat FIRE expect a high annual expenditure, usually upwards of \\$100,000 per year. We’re talkin’ carros del año, trips always, no restrictions on luxury items.\n\nWith Fat FIRE, you are truly free to live like a boss. You can do whatever you want, wherever you want in the world. And if you choose to earn supplemental income because it makes you happy, that’s an option too. It’s the hardest level of FIRE to achieve, but arguably, the most fun.\n\n## Barista FIRE\nThink FIRE, but hybrid. Under this type of FIRE, you are still saving for a specific amount following the 4% rule. However: you don’t want to grind away at work during what some may call some of the best years of your life. Instead, under Barista FIRE, you’ll have the option of quitting your day job, withdrawing 4% of the portfolio you have built up so far, annually, and supplementing the income that’s left to be covered with your side hustle or a lower stress job that you would enjoy—like, say, becoming a barista, hence the name.\n\nKey thing here is *choice* and freedom. By building your [**F.U. fund**](https:\/\/yoquierodineropodcast.com\/what-is-an-fu-fund\/) and investing consistently, you could choose to leave a toxic workplace in pursuit of a job that you are more excited about. Barista FIRE also allows you to test run early retirement, so you can get an idea of [**what life in FI\/RE could look like**.](https:\/\/yoquierodineropodcast.com\/podcasts\/episode-136\/)\n\n## Slow FI\nCoined by [**The Fioneers**](https:\/\/yoquierodineropodcast.com\/podcasts\/episode-84\/), Slow FI is the concept of incrementally taking steps to build more joy and freedom into your life, while pursuing FIRE. The Fioneers define Slow FI as:\n\n> “When someone utilizes the incremental financial freedom they gain along the journey to financial independence to live happier and healthier lives, do better work, and build strong relationships..”\n\nPeople pursuing Slow FI could retire early or could retire at the traditional retirement age. The ultimate goal is full financial independence (AKA not having to rely on a job as your primary source of income and financial stability), but the focus is on making the journey as remarkable as the destination.\n\nLike slow dining and slow travel, Slow FI focuses on the process, connection to the world and people around us, and our experiences along the journey. Slow FI enables us to live our best lives along the way.\n\n## The FIRE Movement Is For Everyone\nJust like personal finance, your FIRE journey is personal. Pursuing early retirement is not just for the ultra-rich. With the right level of planning and intentionality, you can also achieve FIRE and not have to work for the rest of your life.\n\n## Check Out Our Podcast Episodes About FIRE:\n- [**Episode 230: How To Pursue FIRE With Your Sibling**](https:\/\/yoquierodineropodcast.com\/podcasts\/episode-230\/)\n- [**Episode 216: How To Pursue FIRE With A Disability**](https:\/\/yoquierodineropodcast.com\/podcasts\/episode-216\/)\n- [**Episode 186: How To Become Work Optional Before Hitting Your FIRE Number**](https:\/\/yoquierodineropodcast.com\/podcasts\/episode-186\/)\n- [**Episode 139. How To Achieve FIRE With Real Estate**](https:\/\/yoquierodineropodcast.com\/podcasts\/episode-139\/)\n- [**Episode 105. How To Achieve FIRE With A 9-5**](https:\/\/yoquierodineropodcast.com\/podcasts\/episode-105\/)\n- [**Episode 93. How FU Money Can Help You Pivot Your Career**](https:\/\/yoquierodineropodcast.com\/podcasts\/episode-93\/)\n- [**Episode 92. How To Use Your 401(K) To Pursue Financial Independence**](https:\/\/yoquierodineropodcast.com\/podcasts\/episode-92\/)\n- [**Episode 76. How To Buy Back Your Freedom With FIRE**](https:\/\/yoquierodineropodcast.com\/podcasts\/episode-76\/)\n- [**Episode 69. How To Pursue FIRE As A Couple With Different Income Levels**](https:\/\/yoquierodineropodcast.com\/podcasts\/episode-69\/)\n- [**Episode 58: How To Retire Early and Live An Intentional Life**](https:\/\/yoquierodineropodcast.com\/podcasts\/episode-58\/)\n- [**Episode 31: Why Achieving Financial Independence Matters For Communities of Color**](https:\/\/yoquierodineropodcast.com\/podcasts\/episode-31\/)\n- [**Episode 7. Set Yourself On FI\/RE**](https:\/\/yoquierodineropodcast.com\/podcasts\/episode-7\/)\n***\nWANT TO KICKSTART YOUR FINANCIAL JOURNEY?\n\nDownload our [FREE](https:\/\/yoquierodineropodcast.com\/start) 14-page guide covering all the topics you need to start making your dinero moves. [Visit here](https:\/\/yoquierodineropodcast.com\/start). From money mindset, to budget basics, we’ve got you covered.\n\n*\\*This post may contain affiliate links and I may earn a small commission when you click on the links at no additional cost to you. This helps us provide you with free content, like this blog! You can read my full disclaimer here: <https:\/\/yoquierodineropodcast.com\/policy>*\n\nFacebook\n\nTwitter\n\nLinkedIn\n\nPinterest\n\nEmail\n\n![](https:\/\/yoquierodineropodcast.com\/wp-content\/uploads\/2021\/08\/Marissa-signature.png)\n\nFree video Training\n\nLimitless: The Masterclass\n\nStruggling to figure out how to turn your passion into a paycheck? Learn how to earn more doing what you love\\!  \n  \nI turned my side hustles into a multiple-6 figure business, and I’m sharing all my secrets! Click the button below to grab your free spot\\!\n\n[Get access for free](https:\/\/event.webinarjam.com\/channel\/LIMITLESS)\n\nMeet Jannese\n\nJannese Torres is a award-winning Latina Money Expert, Educator, Speaker, Writer and Business Coach. She became an accidental entrepreneur after a job loss led her to create a successful Latin food blog, [Delish D’Lites](https:\/\/www.canva.com\/link?target=http%3A%2F%2Fdelishdlites.com%2F&design=DAC3KwcRj-A). 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Pingback: [The 5 Different Types of FIRE Movements – Yo Quiero Dinero](https:\/\/yoquierodineropodcast.com\/5-types-of-fire-movements\/)\n2. Pingback: [5 Important Questions to Ask Before You Start Investing – Yo Quiero Dinero](https:\/\/yoquierodineropodcast.com\/questions-to-ask-before-investing\/)\n## Leave a Reply [Cancel reply](https:\/\/yoquierodineropodcast.com\/how-to-calculate-your-fire-number\/#respond)\n\n[Previous Post](https:\/\/yoquierodineropodcast.com\/what-is-net-worth\/)\n\n[Next Post](https:\/\/yoquierodineropodcast.com\/how-to-write-a-smart-goal\/)\n\nMore in the Building Wealth \/Saving Money category\n\n[![Easy Ways To Increase Brand Awareness Through Social Media](https:\/\/yoquierodineropodcast.com\/wp-content\/uploads\/2022\/07\/pexels-pixabay-533446-300x169.jpg)](https:\/\/yoquierodineropodcast.com\/increase-brand-awareness\/)\n\n[Easy Ways To Increase Brand Awareness Through Social Media](https:\/\/yoquierodineropodcast.com\/increase-brand-awareness\/)\n\n[![How To Refinance Your Student Loans](https:\/\/yoquierodineropodcast.com\/wp-content\/uploads\/2020\/05\/pexels-rdne-stock-project-7841821-300x200.jpg)](https:\/\/yoquierodineropodcast.com\/how-to-refinance-your-student-loans\/)\n\n[How To Refinance Your Student Loans](https:\/\/yoquierodineropodcast.com\/how-to-refinance-your-student-loans\/)\n\n[![How To Balance Your Self-Worth And Net Worth](https:\/\/yoquierodineropodcast.com\/wp-content\/uploads\/2022\/03\/WorkLifeBalance-1318638817-770x533-1-300x208.jpg)](https:\/\/yoquierodineropodcast.com\/how-to-balance-self-worth-and-net-worth\/)\n\n[How To Balance Your Self-Worth And Net Worth](https:\/\/yoquierodineropodcast.com\/how-to-balance-self-worth-and-net-worth\/)\n\n[![5 Important Questions to Ask Before You Start Investing](https:\/\/yoquierodineropodcast.com\/wp-content\/uploads\/2021\/08\/pexels-karolina-grabowska-5980866-300x200.jpg)](https:\/\/yoquierodineropodcast.com\/questions-to-ask-before-investing\/)\n\n[5 Important Questions to Ask Before You Start Investing](https:\/\/yoquierodineropodcast.com\/questions-to-ask-before-investing\/)\n\n[Top](https:\/\/yoquierodineropodcast.com\/5-types-of-fire-movements\/#top)\n\n[back to top](https:\/\/yoquierodineropodcast.com\/5-types-of-fire-movements\/#top)\n\n[![](https:\/\/yoquierodineropodcast.com\/wp-content\/uploads\/2021\/08\/yqd-pink-red-badge.png)](https:\/\/yoquierodineropodcast.com\/)\n\n**Yo Quiero Dinero** is the leading personal finance platform for the modern Latina.\n\nWe aim to destigmatize money as a taboo topic in the Latino & BIPOC communities and make personal finance fun, relevant and relatable.\n\n[Facebook](https:\/\/www.facebook.com\/yoquierodineropodcast)     [Instagram](https:\/\/www.instagram.com\/yoquierodineropodcast\/)     [Twitter](https:\/\/twitter.com\/dineropodcast)     [Pinterest](https:\/\/www.pinterest.com\/dineropodcast)     [Linkedin](https:\/\/www.linkedin.com\/in\/jannese-t-974421151\/)     [Youtube](https:\/\/www.youtube.com\/channel\/UCqjyPFk9zzMBr_nVI6KmoIA)     [Tiktok](https:\/\/www.tiktok.com\/@yoquierodineropodcast?lang=en)\n\n### Menu\n- [Home](https:\/\/yoquierodineropodcast.com\/)\n- [Money Tools](https:\/\/yoquierodineropodcast.com\/moneytools\/)\n- [Podcast](https:\/\/yoquierodineropodcast.com\/podcast\/)\n- [Blog](https:\/\/yoquierodineropodcast.com\/blog\/)\n- [About](https:\/\/yoquierodineropodcast.com\/about\/)\n- [Partner With YQD](https:\/\/yoquierodineropodcast.com\/workwithyqd\/)\n- [In The Media](https:\/\/yoquierodineropodcast.com\/media\/)\n- [Contact](https:\/\/yoquierodineropodcast.com\/contact\/)\n\n- [Home](https:\/\/yoquierodineropodcast.com\/)\n- [Money Tools](https:\/\/yoquierodineropodcast.com\/moneytools\/)\n- [Podcast](https:\/\/yoquierodineropodcast.com\/podcast\/)\n- [Blog](https:\/\/yoquierodineropodcast.com\/blog\/)\n- [About](https:\/\/yoquierodineropodcast.com\/about\/)\n- [Partner With YQD](https:\/\/yoquierodineropodcast.com\/workwithyqd\/)\n- [In The Media](https:\/\/yoquierodineropodcast.com\/media\/)\n- [Contact](https:\/\/yoquierodineropodcast.com\/contact\/)\n\n- [© 2026 Yo Quiero Dinero LLC](http:\/\/yoquierodineropodcast.com\/)\n- [Terms](https:\/\/yoquierodineropodcast.com\/terms\/)\n- [privacy](https:\/\/yoquierodineropodcast.com\/privacy-policy\/)\n\n[Want a website like mine? 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There are actually different types of FIRE for different lifestyles! Read on to find out which iteration best fits you and your lifestyle.\n\n![The 5 Different Types of FIRE Movements](https:\/\/yoquierodineropodcast.com\/wp-content\/uploads\/2022\/03\/360_F_334029967_jxTsAWReIzSuElGsbx3s7FaCWOhemoKM.jpg)\n\nFI\/RE , also known as FIRE, stands for [**Financial Independence, Retire Early**](https:\/\/yoquierodineropodcast.com\/what-is-fire-financial-independence-retire-early\/). The 3 main tenants of the FIRE movement include:\n\n- Saving a massive amount of your income (usually 50% or more)\n- Living well below your means\n- Investing heavily in low cost index funds\n\nThe purpose of the FIRE lifestyle is to allow you to become work-optional years—or even decades—prior to the traditional retirement age of 65+. While this initial concept was developed in the 1990s, the FIRE movement now has many different iterations that allow you to customize your journey towards the overall goal of financial independence.\n\n## The Standard Approach To The FIRE Movement\n[**Calculating your FIRE number**](https:\/\/yoquierodineropodcast.com\/how-to-calculate-your-fire-number\/) is based on adding up your annual expenses and multiplying the total by 25. **This is known as the 25x rule.** As we always say, personal finance is personal, and determining your FIRE number requires a good amount of personal reflection. You should consider the 25x rule as a goal-setting tool, rather than a precise prediction.\n\n> On average, the average total annual expense for a family in the United States is around \\$60,000, so the traditional FIRE number is \\$1,500,000.\n> \n> – U.S. Bureau of Labor Statistics. “[Consumer Expenditures – 2019](https:\/\/www.bls.gov\/news.release\/pdf\/cesan.pdf)“\n\nThe 25x rule can help you refine your retirement plans. But you probably shouldn’t hang your entire retirement on this formula alone. You’ll want to ask yourself questions like:\n\n- Where will you live and what does the cost of living look like?\n- How will I pay for health insurance?\n- Who else is relying on me for income?\n- Do I expect to travel a lot or be a homebody?\n\nThis is the standard approach to the FIRE movement, but there are many other approaches, as we will dive into below.\n\n## Lean FIRE\nThink FIRE, but on a budget. People who opt in to Lean FIRE will typically have an expected annual retirement expenditure amount of \\$40,000 or below. If your current expenses are low, and you don’t plan on increasing them by a lot in retirement, this might be the most fitting types of FI\/RE for you. This version of the FIRE movement also appeals to those opting for a very minimalist lifestyle as they are on their FIRE journey as well as during retirement.\n\n***Example: If you plan to spend \\$30,000* *annually in retirement, your portfolio would need to reach \\$750,000*, *per the 25x rule.***\n\n## Coast FIRE\nYou achieve coast FI\/RE when you have enough money invested at an early enough age that you no longer need to invest any more to reach financial independence by the traditional retirement age of 65-69. This type of FIRE is great for 1) people who are not in a rush to retire early but want to ensure they are set financially for retirement, and 2) tracking your progress.\n\n***Following a Coast FIRE approach, if you could save \\$182,000 by age 30 and simply not touch that money for 35 years, then it would eventually grow to \\$1 million by age 65 assuming a 5% annual rate of return after inflation***.\n\n[![Coast FIRE example](https:\/\/fourpillarfreedom.com\/wp-content\/uploads\/2019\/06\/coastFIRE1-1.jpg)](https:\/\/fourpillarfreedom.com\/what-is-coast-fire\/)\n\n## Fat FIRE\nThis is FIRE, but ballin’, meaning this is for people who want to live lavishly. People who pursue Fat FIRE expect a high annual expenditure, usually upwards of \\$100,000 per year. We’re talkin’ carros del año, trips always, no restrictions on luxury items.\n\nWith Fat FIRE, you are truly free to live like a boss. You can do whatever you want, wherever you want in the world. And if you choose to earn supplemental income because it makes you happy, that’s an option too. It’s the hardest level of FIRE to achieve, but arguably, the most fun.\n\n## Barista FIRE\nThink FIRE, but hybrid. Under this type of FIRE, you are still saving for a specific amount following the 4% rule. However: you don’t want to grind away at work during what some may call some of the best years of your life. Instead, under Barista FIRE, you’ll have the option of quitting your day job, withdrawing 4% of the portfolio you have built up so far, annually, and supplementing the income that’s left to be covered with your side hustle or a lower stress job that you would enjoy—like, say, becoming a barista, hence the name.\n\nKey thing here is *choice* and freedom. By building your [**F.U. fund**](https:\/\/yoquierodineropodcast.com\/what-is-an-fu-fund\/) and investing consistently, you could choose to leave a toxic workplace in pursuit of a job that you are more excited about. Barista FIRE also allows you to test run early retirement, so you can get an idea of [**what life in FI\/RE could look like**.](https:\/\/yoquierodineropodcast.com\/podcasts\/episode-136\/)\n\n## Slow FI\nCoined by [**The Fioneers**](https:\/\/yoquierodineropodcast.com\/podcasts\/episode-84\/), Slow FI is the concept of incrementally taking steps to build more joy and freedom into your life, while pursuing FIRE. The Fioneers define Slow FI as:\n\n> “When someone utilizes the incremental financial freedom they gain along the journey to financial independence to live happier and healthier lives, do better work, and build strong relationships..”\n\nPeople pursuing Slow FI could retire early or could retire at the traditional retirement age. The ultimate goal is full financial independence (AKA not having to rely on a job as your primary source of income and financial stability), but the focus is on making the journey as remarkable as the destination.\n\nLike slow dining and slow travel, Slow FI focuses on the process, connection to the world and people around us, and our experiences along the journey. Slow FI enables us to live our best lives along the way.\n\n## The FIRE Movement Is For Everyone\nJust like personal finance, your FIRE journey is personal. Pursuing early retirement is not just for the ultra-rich. With the right level of planning and intentionality, you can also achieve FIRE and not have to work for the rest of your life.\n\n## Check Out Our Podcast Episodes About FIRE:\n- [**Episode 230: How To Pursue FIRE With Your Sibling**](https:\/\/yoquierodineropodcast.com\/podcasts\/episode-230\/)\n- [**Episode 216: How To Pursue FIRE With A Disability**](https:\/\/yoquierodineropodcast.com\/podcasts\/episode-216\/)\n- [**Episode 186: How To Become Work Optional Before Hitting Your FIRE Number**](https:\/\/yoquierodineropodcast.com\/podcasts\/episode-186\/)\n- [**Episode 139. How To Achieve FIRE With Real Estate**](https:\/\/yoquierodineropodcast.com\/podcasts\/episode-139\/)\n- [**Episode 105. How To Achieve FIRE With A 9-5**](https:\/\/yoquierodineropodcast.com\/podcasts\/episode-105\/)\n- [**Episode 93. How FU Money Can Help You Pivot Your Career**](https:\/\/yoquierodineropodcast.com\/podcasts\/episode-93\/)\n- [**Episode 92. How To Use Your 401(K) To Pursue Financial Independence**](https:\/\/yoquierodineropodcast.com\/podcasts\/episode-92\/)\n- [**Episode 76. How To Buy Back Your Freedom With FIRE**](https:\/\/yoquierodineropodcast.com\/podcasts\/episode-76\/)\n- [**Episode 69. How To Pursue FIRE As A Couple With Different Income Levels**](https:\/\/yoquierodineropodcast.com\/podcasts\/episode-69\/)\n- [**Episode 58: How To Retire Early and Live An Intentional Life**](https:\/\/yoquierodineropodcast.com\/podcasts\/episode-58\/)\n- [**Episode 31: Why Achieving Financial Independence Matters For Communities of Color**](https:\/\/yoquierodineropodcast.com\/podcasts\/episode-31\/)\n- [**Episode 7. Set Yourself On FI\/RE**](https:\/\/yoquierodineropodcast.com\/podcasts\/episode-7\/)\n***\nWANT TO KICKSTART YOUR FINANCIAL JOURNEY?\n\nDownload our [FREE](https:\/\/yoquierodineropodcast.com\/start) 14-page guide covering all the topics you need to start making your dinero moves. [Visit here](https:\/\/yoquierodineropodcast.com\/start). From money mindset, to budget basics, we’ve got you covered.\n\n*\\*This post may contain affiliate links and I may earn a small commission when you click on the links at no additional cost to you. This helps us provide you with free content, like this blog! You can read my full disclaimer here: <https:\/\/yoquierodineropodcast.com\/policy>*","meta_canonical":null}

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Meta Description	Intrigued by the FIRE movement but not into the frugal lifestyle it most often demands? There are actually different types of FIRE for different lifestyles! Read on to find out which iteration best fits you and your lifestyle., You know what FI/RE is and you're sold. This is the life for you. But did you know there are several different types of FI/RE? Read on to find out which iteration best fits you and your lifestyle!
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Boilerpipe Text	Intrigued by the FIRE movement but not into the frugal lifestyle it most often demands? There are actually different types of FIRE for different lifestyles! Read on to find out which iteration best fits you and your lifestyle. FI/RE , also known as FIRE, stands for Financial Independence, Retire Early . The 3 main tenants of the FIRE movement include: Saving a massive amount of your income (usually 50% or more) Living well below your means Investing heavily in low cost index funds The purpose of the FIRE lifestyle is to allow you to become work-optional years—or even decades—prior to the traditional retirement age of 65+. While this initial concept was developed in the 1990s, the FIRE movement now has many different iterations that allow you to customize your journey towards the overall goal of financial independence. The Standard Approach To The FIRE Movement Calculating your FIRE number is based on adding up your annual expenses and multiplying the total by 25. This is known as the 25x rule. As we always say, personal finance is personal, and determining your FIRE number requires a good amount of personal reflection. You should consider the 25x rule as a goal-setting tool, rather than a precise prediction. On average, the average total annual expense for a family in the United States is around $60,000, so the traditional FIRE number is $1,500,000. – U.S. Bureau of Labor Statistics. “ Consumer Expenditures – 2019 “ The 25x rule can help you refine your retirement plans. But you probably shouldn’t hang your entire retirement on this formula alone. You’ll want to ask yourself questions like: Where will you live and what does the cost of living look like? How will I pay for health insurance? Who else is relying on me for income? Do I expect to travel a lot or be a homebody? This is the standard approach to the FIRE movement, but there are many other approaches, as we will dive into below. Lean FIRE Think FIRE, but on a budget. People who opt in to Lean FIRE will typically have an expected annual retirement expenditure amount of $40,000 or below. If your current expenses are low, and you don’t plan on increasing them by a lot in retirement, this might be the most fitting types of FI/RE for you. This version of the FIRE movement also appeals to those opting for a very minimalist lifestyle as they are on their FIRE journey as well as during retirement. Example: If you plan to spend $30,000 annually in retirement, your portfolio would need to reach $750,000 , per the 25x rule. Coast FIRE You achieve coast FI/RE when you have enough money invested at an early enough age that you no longer need to invest any more to reach financial independence by the traditional retirement age of 65-69. This type of FIRE is great for 1) people who are not in a rush to retire early but want to ensure they are set financially for retirement, and 2) tracking your progress. Following a Coast FIRE approach, if you could save $182,000 by age 30 and simply not touch that money for 35 years, then it would eventually grow to $1 million by age 65 assuming a 5% annual rate of return after inflation . Fat FIRE This is FIRE, but ballin’, meaning this is for people who want to live lavishly. People who pursue Fat FIRE expect a high annual expenditure, usually upwards of $100,000 per year. We’re talkin’ carros del año, trips always, no restrictions on luxury items. With Fat FIRE, you are truly free to live like a boss. You can do whatever you want, wherever you want in the world. And if you choose to earn supplemental income because it makes you happy, that’s an option too. It’s the hardest level of FIRE to achieve, but arguably, the most fun. Barista FIRE Think FIRE, but hybrid. Under this type of FIRE, you are still saving for a specific amount following the 4% rule. However: you don’t want to grind away at work during what some may call some of the best years of your life. Instead, under Barista FIRE, you’ll have the option of quitting your day job, withdrawing 4% of the portfolio you have built up so far, annually, and supplementing the income that’s left to be covered with your side hustle or a lower stress job that you would enjoy—like, say, becoming a barista, hence the name. Key thing here is choice and freedom. By building your F.U. fund and investing consistently, you could choose to leave a toxic workplace in pursuit of a job that you are more excited about. Barista FIRE also allows you to test run early retirement, so you can get an idea of what life in FI/RE could look like . Slow FI Coined by The Fioneers , Slow FI is the concept of incrementally taking steps to build more joy and freedom into your life, while pursuing FIRE. The Fioneers define Slow FI as: “When someone utilizes the incremental financial freedom they gain along the journey to financial independence to live happier and healthier lives, do better work, and build strong relationships..” People pursuing Slow FI could retire early or could retire at the traditional retirement age. The ultimate goal is full financial independence (AKA not having to rely on a job as your primary source of income and financial stability), but the focus is on making the journey as remarkable as the destination. Like slow dining and slow travel, Slow FI focuses on the process, connection to the world and people around us, and our experiences along the journey. Slow FI enables us to live our best lives along the way. The FIRE Movement Is For Everyone Just like personal finance, your FIRE journey is personal. Pursuing early retirement is not just for the ultra-rich. With the right level of planning and intentionality, you can also achieve FIRE and not have to work for the rest of your life. Check Out Our Podcast Episodes About FIRE: Episode 230: How To Pursue FIRE With Your Sibling Episode 216: How To Pursue FIRE With A Disability Episode 186: How To Become Work Optional Before Hitting Your FIRE Number Episode 139. How To Achieve FIRE With Real Estate Episode 105. How To Achieve FIRE With A 9-5 Episode 93. How FU Money Can Help You Pivot Your Career Episode 92. How To Use Your 401(K) To Pursue Financial Independence Episode 76. How To Buy Back Your Freedom With FIRE Episode 69. How To Pursue FIRE As A Couple With Different Income Levels Episode 58: How To Retire Early and Live An Intentional Life Episode 31: Why Achieving Financial Independence Matters For Communities of Color Episode 7. Set Yourself On FI/RE GET THE FREE SIDE HUSTLE STARTER WORKBOOK 10-Steps to Launching Your Money-Making Side Hustle WANT TO KICKSTART YOUR FINANCIAL JOURNEY? Download our FREE 14-page guide covering all the topics you need to start making your dinero moves. Visit here . From money mindset, to budget basics, we’ve got you covered. *This post may contain affiliate links and I may earn a small commission when you click on the links at no additional cost to you. This helps us provide you with free content, like this blog! You can read my full disclaimer here: https://yoquierodineropodcast.com/policy
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There are actually different types of FIRE for different lifestyles! Read on to find out which iteration best fits you and your lifestyle. ![The 5 Different Types of FIRE Movements](https://yoquierodineropodcast.com/wp-content/uploads/2022/03/360_F_334029967_jxTsAWReIzSuElGsbx3s7FaCWOhemoKM.jpg) FI/RE , also known as FIRE, stands for [Financial Independence, Retire Early](https://yoquierodineropodcast.com/what-is-fire-financial-independence-retire-early/). The 3 main tenants of the FIRE movement include: - Saving a massive amount of your income (usually 50% or more) - Living well below your means - Investing heavily in low cost index funds The purpose of the FIRE lifestyle is to allow you to become work-optional years—or even decades—prior to the traditional retirement age of 65+. While this initial concept was developed in the 1990s, the FIRE movement now has many different iterations that allow you to customize your journey towards the overall goal of financial independence. ## The Standard Approach To The FIRE Movement [Calculating your FIRE number](https://yoquierodineropodcast.com/how-to-calculate-your-fire-number/) is based on adding up your annual expenses and multiplying the total by 25. This is known as the 25x rule. As we always say, personal finance is personal, and determining your FIRE number requires a good amount of personal reflection. You should consider the 25x rule as a goal-setting tool, rather than a precise prediction. > On average, the average total annual expense for a family in the United States is around \$60,000, so the traditional FIRE number is \$1,500,000. > > – U.S. Bureau of Labor Statistics. “[Consumer Expenditures – 2019](https://www.bls.gov/news.release/pdf/cesan.pdf)“ The 25x rule can help you refine your retirement plans. But you probably shouldn’t hang your entire retirement on this formula alone. You’ll want to ask yourself questions like: - Where will you live and what does the cost of living look like? - How will I pay for health insurance? - Who else is relying on me for income? - Do I expect to travel a lot or be a homebody? This is the standard approach to the FIRE movement, but there are many other approaches, as we will dive into below. ## Lean FIRE Think FIRE, but on a budget. People who opt in to Lean FIRE will typically have an expected annual retirement expenditure amount of \$40,000 or below. If your current expenses are low, and you don’t plan on increasing them by a lot in retirement, this might be the most fitting types of FI/RE for you. This version of the FIRE movement also appeals to those opting for a very minimalist lifestyle as they are on their FIRE journey as well as during retirement. **Example: If you plan to spend \$30,000 annually in retirement, your portfolio would need to reach \$750,000, per the 25x rule. ## Coast FIRE You achieve coast FI/RE when you have enough money invested at an early enough age that you no longer need to invest any more to reach financial independence by the traditional retirement age of 65-69. This type of FIRE is great for 1) people who are not in a rush to retire early but want to ensure they are set financially for retirement, and 2) tracking your progress. Following a Coast FIRE approach, if you could save \$182,000 by age 30 and simply not touch that money for 35 years, then it would eventually grow to \$1 million by age 65 assuming a 5% annual rate of return after inflation*. [![Coast FIRE example](https://fourpillarfreedom.com/wp-content/uploads/2019/06/coastFIRE1-1.jpg)](https://fourpillarfreedom.com/what-is-coast-fire/) ## Fat FIRE This is FIRE, but ballin’, meaning this is for people who want to live lavishly. People who pursue Fat FIRE expect a high annual expenditure, usually upwards of \$100,000 per year. We’re talkin’ carros del año, trips always, no restrictions on luxury items. With Fat FIRE, you are truly free to live like a boss. You can do whatever you want, wherever you want in the world. And if you choose to earn supplemental income because it makes you happy, that’s an option too. It’s the hardest level of FIRE to achieve, but arguably, the most fun. ## Barista FIRE Think FIRE, but hybrid. Under this type of FIRE, you are still saving for a specific amount following the 4% rule. However: you don’t want to grind away at work during what some may call some of the best years of your life. Instead, under Barista FIRE, you’ll have the option of quitting your day job, withdrawing 4% of the portfolio you have built up so far, annually, and supplementing the income that’s left to be covered with your side hustle or a lower stress job that you would enjoy—like, say, becoming a barista, hence the name. Key thing here is choice* and freedom. By building your [F.U. fund](https://yoquierodineropodcast.com/what-is-an-fu-fund/) and investing consistently, you could choose to leave a toxic workplace in pursuit of a job that you are more excited about. Barista FIRE also allows you to test run early retirement, so you can get an idea of [what life in FI/RE could look like.](https://yoquierodineropodcast.com/podcasts/episode-136/) ## Slow FI Coined by [The Fioneers](https://yoquierodineropodcast.com/podcasts/episode-84/), Slow FI is the concept of incrementally taking steps to build more joy and freedom into your life, while pursuing FIRE. The Fioneers define Slow FI as: > “When someone utilizes the incremental financial freedom they gain along the journey to financial independence to live happier and healthier lives, do better work, and build strong relationships..” People pursuing Slow FI could retire early or could retire at the traditional retirement age. The ultimate goal is full financial independence (AKA not having to rely on a job as your primary source of income and financial stability), but the focus is on making the journey as remarkable as the destination. Like slow dining and slow travel, Slow FI focuses on the process, connection to the world and people around us, and our experiences along the journey. Slow FI enables us to live our best lives along the way. ## The FIRE Movement Is For Everyone Just like personal finance, your FIRE journey is personal. Pursuing early retirement is not just for the ultra-rich. With the right level of planning and intentionality, you can also achieve FIRE and not have to work for the rest of your life. ## Check Out Our Podcast Episodes About FIRE: - [Episode 230: How To Pursue FIRE With Your Sibling](https://yoquierodineropodcast.com/podcasts/episode-230/) - [Episode 216: How To Pursue FIRE With A Disability](https://yoquierodineropodcast.com/podcasts/episode-216/) - [Episode 186: How To Become Work Optional Before Hitting Your FIRE Number](https://yoquierodineropodcast.com/podcasts/episode-186/) - [Episode 139. How To Achieve FIRE With Real Estate](https://yoquierodineropodcast.com/podcasts/episode-139/) - [Episode 105. How To Achieve FIRE With A 9-5](https://yoquierodineropodcast.com/podcasts/episode-105/) - [Episode 93. How FU Money Can Help You Pivot Your Career](https://yoquierodineropodcast.com/podcasts/episode-93/) - [Episode 92. How To Use Your 401(K) To Pursue Financial Independence](https://yoquierodineropodcast.com/podcasts/episode-92/) - [Episode 76. How To Buy Back Your Freedom With FIRE](https://yoquierodineropodcast.com/podcasts/episode-76/) - [Episode 69. How To Pursue FIRE As A Couple With Different Income Levels](https://yoquierodineropodcast.com/podcasts/episode-69/) - [Episode 58: How To Retire Early and Live An Intentional Life](https://yoquierodineropodcast.com/podcasts/episode-58/) - [Episode 31: Why Achieving Financial Independence Matters For Communities of Color](https://yoquierodineropodcast.com/podcasts/episode-31/) - [Episode 7. Set Yourself On FI/RE](https://yoquierodineropodcast.com/podcasts/episode-7/) *** WANT TO KICKSTART YOUR FINANCIAL JOURNEY? Download our [FREE](https://yoquierodineropodcast.com/start) 14-page guide covering all the topics you need to start making your dinero moves. [Visit here](https://yoquierodineropodcast.com/start). From money mindset, to budget basics, we’ve got you covered. \This post may contain affiliate links and I may earn a small commission when you click on the links at no additional cost to you. This helps us provide you with free content, like this blog! You can read my full disclaimer here: <https://yoquierodineropodcast.com/policy>* Facebook Twitter LinkedIn Pinterest Email ![](https://yoquierodineropodcast.com/wp-content/uploads/2021/08/Marissa-signature.png) Free video Training Limitless: The Masterclass Struggling to figure out how to turn your passion into a paycheck? Learn how to earn more doing what you love\! I turned my side hustles into a multiple-6 figure business, and I’m sharing all my secrets! Click the button below to grab your free spot\! [Get access for free](https://event.webinarjam.com/channel/LIMITLESS) Meet Jannese Jannese Torres is a award-winning Latina Money Expert, Educator, Speaker, Writer and Business Coach. 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Readable Markdown	![The 5 Different Types of FIRE Movements](https://yoquierodineropodcast.com/wp-content/uploads/2021/04/Digital-Products-Blog-Pinterest-Pin-1-200x300.png) Intrigued by the FIRE movement but not into the frugal lifestyle it most often demands? There are actually different types of FIRE for different lifestyles! Read on to find out which iteration best fits you and your lifestyle. ![The 5 Different Types of FIRE Movements](https://yoquierodineropodcast.com/wp-content/uploads/2022/03/360_F_334029967_jxTsAWReIzSuElGsbx3s7FaCWOhemoKM.jpg) FI/RE , also known as FIRE, stands for [Financial Independence, Retire Early](https://yoquierodineropodcast.com/what-is-fire-financial-independence-retire-early/). The 3 main tenants of the FIRE movement include: - Saving a massive amount of your income (usually 50% or more) - Living well below your means - Investing heavily in low cost index funds The purpose of the FIRE lifestyle is to allow you to become work-optional years—or even decades—prior to the traditional retirement age of 65+. While this initial concept was developed in the 1990s, the FIRE movement now has many different iterations that allow you to customize your journey towards the overall goal of financial independence. ## The Standard Approach To The FIRE Movement [Calculating your FIRE number](https://yoquierodineropodcast.com/how-to-calculate-your-fire-number/) is based on adding up your annual expenses and multiplying the total by 25. This is known as the 25x rule. As we always say, personal finance is personal, and determining your FIRE number requires a good amount of personal reflection. You should consider the 25x rule as a goal-setting tool, rather than a precise prediction. > On average, the average total annual expense for a family in the United States is around \$60,000, so the traditional FIRE number is \$1,500,000. > > – U.S. Bureau of Labor Statistics. “[Consumer Expenditures – 2019](https://www.bls.gov/news.release/pdf/cesan.pdf)“ The 25x rule can help you refine your retirement plans. But you probably shouldn’t hang your entire retirement on this formula alone. You’ll want to ask yourself questions like: - Where will you live and what does the cost of living look like? - How will I pay for health insurance? - Who else is relying on me for income? - Do I expect to travel a lot or be a homebody? This is the standard approach to the FIRE movement, but there are many other approaches, as we will dive into below. ## Lean FIRE Think FIRE, but on a budget. People who opt in to Lean FIRE will typically have an expected annual retirement expenditure amount of \$40,000 or below. If your current expenses are low, and you don’t plan on increasing them by a lot in retirement, this might be the most fitting types of FI/RE for you. This version of the FIRE movement also appeals to those opting for a very minimalist lifestyle as they are on their FIRE journey as well as during retirement. **Example: If you plan to spend \$30,000 annually in retirement, your portfolio would need to reach \$750,000, per the 25x rule. ## Coast FIRE You achieve coast FI/RE when you have enough money invested at an early enough age that you no longer need to invest any more to reach financial independence by the traditional retirement age of 65-69. This type of FIRE is great for 1) people who are not in a rush to retire early but want to ensure they are set financially for retirement, and 2) tracking your progress. Following a Coast FIRE approach, if you could save \$182,000 by age 30 and simply not touch that money for 35 years, then it would eventually grow to \$1 million by age 65 assuming a 5% annual rate of return after inflation*. [![Coast FIRE example](https://fourpillarfreedom.com/wp-content/uploads/2019/06/coastFIRE1-1.jpg)](https://fourpillarfreedom.com/what-is-coast-fire/) ## Fat FIRE This is FIRE, but ballin’, meaning this is for people who want to live lavishly. People who pursue Fat FIRE expect a high annual expenditure, usually upwards of \$100,000 per year. We’re talkin’ carros del año, trips always, no restrictions on luxury items. With Fat FIRE, you are truly free to live like a boss. You can do whatever you want, wherever you want in the world. And if you choose to earn supplemental income because it makes you happy, that’s an option too. It’s the hardest level of FIRE to achieve, but arguably, the most fun. ## Barista FIRE Think FIRE, but hybrid. Under this type of FIRE, you are still saving for a specific amount following the 4% rule. However: you don’t want to grind away at work during what some may call some of the best years of your life. Instead, under Barista FIRE, you’ll have the option of quitting your day job, withdrawing 4% of the portfolio you have built up so far, annually, and supplementing the income that’s left to be covered with your side hustle or a lower stress job that you would enjoy—like, say, becoming a barista, hence the name. Key thing here is choice* and freedom. By building your [F.U. fund](https://yoquierodineropodcast.com/what-is-an-fu-fund/) and investing consistently, you could choose to leave a toxic workplace in pursuit of a job that you are more excited about. Barista FIRE also allows you to test run early retirement, so you can get an idea of [what life in FI/RE could look like.](https://yoquierodineropodcast.com/podcasts/episode-136/) ## Slow FI Coined by [The Fioneers](https://yoquierodineropodcast.com/podcasts/episode-84/), Slow FI is the concept of incrementally taking steps to build more joy and freedom into your life, while pursuing FIRE. The Fioneers define Slow FI as: > “When someone utilizes the incremental financial freedom they gain along the journey to financial independence to live happier and healthier lives, do better work, and build strong relationships..” People pursuing Slow FI could retire early or could retire at the traditional retirement age. The ultimate goal is full financial independence (AKA not having to rely on a job as your primary source of income and financial stability), but the focus is on making the journey as remarkable as the destination. Like slow dining and slow travel, Slow FI focuses on the process, connection to the world and people around us, and our experiences along the journey. Slow FI enables us to live our best lives along the way. ## The FIRE Movement Is For Everyone Just like personal finance, your FIRE journey is personal. Pursuing early retirement is not just for the ultra-rich. With the right level of planning and intentionality, you can also achieve FIRE and not have to work for the rest of your life. ## Check Out Our Podcast Episodes About FIRE: - [Episode 230: How To Pursue FIRE With Your Sibling](https://yoquierodineropodcast.com/podcasts/episode-230/) - [Episode 216: How To Pursue FIRE With A Disability](https://yoquierodineropodcast.com/podcasts/episode-216/) - [Episode 186: How To Become Work Optional Before Hitting Your FIRE Number](https://yoquierodineropodcast.com/podcasts/episode-186/) - [Episode 139. How To Achieve FIRE With Real Estate](https://yoquierodineropodcast.com/podcasts/episode-139/) - [Episode 105. How To Achieve FIRE With A 9-5](https://yoquierodineropodcast.com/podcasts/episode-105/) - [Episode 93. How FU Money Can Help You Pivot Your Career](https://yoquierodineropodcast.com/podcasts/episode-93/) - [Episode 92. How To Use Your 401(K) To Pursue Financial Independence](https://yoquierodineropodcast.com/podcasts/episode-92/) - [Episode 76. How To Buy Back Your Freedom With FIRE](https://yoquierodineropodcast.com/podcasts/episode-76/) - [Episode 69. How To Pursue FIRE As A Couple With Different Income Levels](https://yoquierodineropodcast.com/podcasts/episode-69/) - [Episode 58: How To Retire Early and Live An Intentional Life](https://yoquierodineropodcast.com/podcasts/episode-58/) - [Episode 31: Why Achieving Financial Independence Matters For Communities of Color](https://yoquierodineropodcast.com/podcasts/episode-31/) - [Episode 7. Set Yourself On FI/RE](https://yoquierodineropodcast.com/podcasts/episode-7/) *** WANT TO KICKSTART YOUR FINANCIAL JOURNEY? Download our [FREE](https://yoquierodineropodcast.com/start) 14-page guide covering all the topics you need to start making your dinero moves. [Visit here](https://yoquierodineropodcast.com/start). From money mindset, to budget basics, we’ve got you covered. \This post may contain affiliate links and I may earn a small commission when you click on the links at no additional cost to you. This helps us provide you with free content, like this blog! You can read my full disclaimer here: <https://yoquierodineropodcast.com/policy>*
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