Fat FIRE

FIRE achieved with a comfortable or affluent lifestyle, typically $100K+/year expenses and a $2.5M+ portfolio.

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Chubby FIRE

The middle ground between Regular FIRE and Fat FIRE — roughly $2.5M portfolio supporting $80–100K/year spending.

4% Rule

The guideline that you can safely withdraw 4% of your portfolio in year one of retirement and adjust for inflation each year after, and historically your money will last 30+ years. Based on the Trinity Study.

FIRE

Financial Independence, Retire Early. A movement focused on aggressive saving and investing to stop working for money decades before traditional retirement. The classic target is 25× your annual expenses.

Work-Optional

A softer framing of FI: you keep earning because you want to, not because you need to. Emphasizes freedom of choice over dropping out of the workforce.

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