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FIRE
(Financial Independence, Retire Early)
FIRE (Financial Independence, Retire Early) is a lifestyle movement focused on aggressive saving (often 50–70% of income) and investing to achieve financial freedom decades before traditional retirement age.
Followers leverage strategies like frugality, ETF investing, and passive income (e.g., REITs) to build a nest egg covering living expenses via the 4% rule. Popularized by blogs like Mr. Money Mustache, FIRE emphasizes low DTI and high NW. Variations include “Lean FIRE” (minimalist spending) and “Fat FIRE” (luxury budgets). Critics argue it requires extreme discipline, but proponents highlight its flexibility—many “retire” to pursue passion projects rather than idleness.
Followers leverage strategies like frugality, ETF investing, and passive income (e.g., REITs) to build a nest egg covering living expenses via the 4% rule. Popularized by blogs like Mr. Money Mustache, FIRE emphasizes low DTI and high NW. Variations include “Lean FIRE” (minimalist spending) and “Fat FIRE” (luxury budgets). Critics argue it requires extreme discipline, but proponents highlight its flexibility—many “retire” to pursue passion projects rather than idleness.