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    Learn About FIRE

    Fat FIRE — Financial Independence with a Comfortable Lifestyle

    Fat FIRE is for those who want financial independence without sacrificing comfort. Instead of living on €25,000 per year, Fat FIRE targets €80,000–€150,000+ — which means a much larger portfolio, but also much more freedom.

    What is Fat FIRE?

    Fat FIRE practitioners aim for a retirement that includes travel, fine dining, hobbies, generous gifting and the ability to weather large unexpected expenses without stress. At a 4% withdrawal rate, €100,000 per year requires a portfolio of €2,500,000.

    Fat FIRE number = €100,000 × 25 = €2,500,000

    (based on a 4% withdrawal rate)

    Who is Fat FIRE for?

    • High earners who can save aggressively while maintaining lifestyle.
    • Families with children, private education or healthcare costs.
    • Travel enthusiasts who want to explore without budget constraints.
    • Conservative planners who prefer a large buffer for peace of mind.

    Strategies to reach Fat FIRE

    Maximise income

    Senior roles, side businesses, consulting or high-growth careers accelerate the path.

    Invest aggressively

    A higher equity allocation and longer timeline let compounding do more of the work.

    Plan your Fat FIRE number

    Use the MyFireView calculator to project how long it takes to reach your comfortable FIRE target.

    Start your FIRE plan

    Keep learning about FIRE

    Explore the other FIRE strategies and frequently asked questions to round out your plan.

    What is FIRE

    FIRE explained: the 4% rule, how to calculate your FIRE number, savings-rate math and the Lean, Fat, Coast and Barista variants — in one guide.

    Lean FIRE

    Lean FIRE reaches financial independence faster on €20k–€30k a year. Learn the math, lifestyle trade-offs and how to calculate your Lean FIRE number.

    Coast FIRE

    Coast FIRE means you've saved enough that compounding alone grows your portfolio to your FIRE number. Learn the formula, benefits and pitfalls.

    Barista FIRE

    Barista FIRE blends part-time work with portfolio withdrawals so you can exit full-time work years earlier. Learn the formula and typical roles.

    FIRE FAQ

    Answers to the most common questions about FIRE, the 4% rule and your FIRE number.