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FIRE Types: Lean, Fat, and Barista on one page

Compare Lean (0.6×), traditional, Fat (1.5×), and Barista FIRE from the same spending and SWR. One page — not three clones.

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Traditional FIRE

$1,000,000.00

Lean FIRE

$600,000.00

Fat FIRE

$1,500,000.00

Barista FIRE

$500,000.00

Annual spending used

$40,000.00

TypeCorpusWhat it assumes
Lean FIRE$600,000.000.6× traditional (lower spending)
Traditional FIRE$1,000,000.00Full spending ÷ SWR
Fat FIRE$1,500,000.001.5× traditional (higher spending)
Barista FIRE$500,000.00Spending minus part-time income, then ÷ SWR

Educational comparison, not advice. Lean/Fat multipliers (0.6× / 1.5×) are community shortcuts, not official standards. Barista FIRE still needs a job. This page does not model healthcare, taxes, or sequence risk. 4% / Trinity / Bengen: NEED-SOURCE (PDFs not on this site).

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Lean, Fat, and Barista FIRE (one page)

Community labels for different spending levels, not three separate products. This page keeps them together so we do not ship clone URLs.

TypeRule on this page$40,000 / 4% example
Lean0.6 × traditional corpus$600,000
TraditionalSpending ÷ SWR$1,000,000
Fat1.5 × traditional corpus$1,500,000
Barista(Spending − part-time income) ÷ SWR$500,000 if part-time covers $20,000
Barista is still a job

Barista FIRE assumes you keep earning. The corpus only has to cover the gap after that income. Healthcare and job risk are not modeled.

The 0.6× / 1.5× multipliers are community shortcuts, not official standards.

Not financial advice

Educational comparison only. 4% / Bengen / Trinity: NEED-SOURCE (PDFs not on this site). No Monte Carlo, taxes, or sequence risk.

Same series

Lean, Fat, and Barista are the same formula with different spending. One page avoids title-skin clones.

On this site, yes — a fixed 0.6× so the example stays locked. Your real Lean number is whatever spending you can live on.

Barista equals traditional FIRE, because the leftover spending is the full amount.