Chubby FIRE
Chubby FIRE is the middle ground between regular FIRE and Fat FIRE, retiring early with enough to live comfortably but not lavishly, typically $100,000 to $150,000 per year in spending.
Where It Fits
The FIRE community has developed a spectrum based on spending levels. Chubby FIRE fills the gap between the frugality-focused FIRE mainstream and the high-spending Fat FIRE crowd. It's for people who want a nice life (travel, dining out, a comfortable home) without needing luxury.
Using the 4% rule, Chubby FIRE implies a portfolio of roughly $2.5M–$3.75M. That's a significant number, but achievable for dual-income households or higher earners who save consistently over 10-15 years.
The Community
The r/ChubbyFIRE subreddit is active and distinct from other FIRE communities. Discussions tend to focus on tax optimization, SWR debates for larger portfolios, Roth conversion strategies, and household planning. The annual "Defining LeanFIRE, FIRE, ChubbyFIRE, FatFIRE" thread is one of the most popular posts each year.
Related Terms
Fat FIRE
Fat FIRE means pursuing financial independence with a portfolio large enough to support a comfortable or even luxurious lifestyle, not just bare necessities.
Lean FIRE
Lean FIRE means achieving financial independence on a modest budget, typically under $40,000/year in spending, implying a portfolio under $1 million.
FI Number
Your FI number is the total amount you need invested so that your portfolio can sustain your annual spending indefinitely. It's the finish line for financial independence.
This tool is for educational and informational purposes only. It does not constitute financial advice. Past performance does not guarantee future results. Consult a qualified financial advisor for personalized advice.