Core FIREFIRE glossary
Defined termChubby FIRE
The middle ground between Regular FIRE and Fat FIRE — roughly $2.5M portfolio supporting $80–100K/year spending.
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Regular FIRE
The baseline flavor of FIRE — middle-class lifestyle, roughly $40–80K/year expenses, $1M–$2M portfolio. Between Lean and Chubby.
Fat FIRE
FIRE achieved with a comfortable or affluent lifestyle, typically $100K+/year expenses and a $2.5M+ portfolio.
FIRE Number
Your target portfolio size to be financially independent. Usually calculated as annual expenses ÷ withdrawal rate. At a 4% SWR, $40K in annual expenses means a $1M FIRE number.
Coast FIRE
The point where you have enough invested that you never need to contribute another dollar — compound growth alone will carry you to Full FIRE by traditional retirement age. You still work, but only to cover current expenses.
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