Regular FIRE

The baseline flavor of FIRE — middle-class lifestyle, roughly $40–80K/year expenses, $1M–$2M portfolio. Between Lean and Chubby.

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Barista FIRE

A hybrid state where your portfolio covers most (but not all) expenses via a conservative withdrawal, and you work part-time for the rest — often for the health benefits.

Flamingo FIRE

Save half of Coast FIRE's number, then take a multi-year break (or part-time work) while compound growth finishes the job. Named for the bird that stands on one leg.

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.

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.

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