The 5 Levels of FIRE (Coast, Lean, FI, Chubby, Fat)

Coast FIRE, Lean FIRE, Chubby FIRE, Fat FIRE. Five levels, five very different lifestyles, and one of them is the milestone Andrew thinks everyone should chase first.

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What You'll Learn in This Episode

• The 25x rule and the math sitting underneath every level of FIRE
• All five levels explained, from the first milestone to the highest one
• Why Coast FIRE should be your first target no matter which level you ultimately want
• What Lean FIRE actually requires you to give up, and who it fits
• How to calculate your own number using last year's bank statements
• The difference between Chubby and Fat FIRE, and what the extra cushion buys you
• Why the withdrawal rate deserves a second look if you retire decades early
• The trap of the moving goalpost, and how to decide when enough is enough

Start Here

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Resource/s

• Car Insurance https://secure.money.com/pr/gc43ce394da5
• Best HYSA https://secure.money.com/pr/r453ecf4d190
• Stock Brokerage Accounts https://secure.money.com/pr/v8d06f8de92c
• Best IRAs https://secure.money.com/pr/oe09b73d1952
• Favorite Travel Credit Cards https://milevalue.com/best-credit-cards/?aff=mastermoney

Tool/s Mentioned

• Coast FIRE Calculator https://visionary-raindrop-1fc22a.netlify.app/
• Compound Interest Calculator https://expert-hustler-605.kit.com/aefaaad27e

Episode/s Mentioned

• Why Coast FIRE May Be The Perfect Strategy for You with Andy Hill https://www.thepersonalfinancepodcast.com/why-coast-fire-may-be-the-perfect-strategy-for-you-with-andy-hill/
• Hit This Number and You Can STOP SAVING! (Even When You are Young) https://youtu.be/R2ebV44XaAY
• Why Barista FIRE Is the Coolest Strategy There Is (Retire Faster Than You Thought!) https://www.thepersonalfinancepodcast.com/why-barista-fire-is-the-coolest-strategy-there-is-retire-faster-than-you-thought/
• How to Retire in 10 Years or Less! https://youtu.be/nStwD03vJ64
• Why a Mini Retirement Can Change Your Life https://youtu.be/o5HIfbIwfjI

Watch Next

• Type A vs. Type B Money Personality: Which one are you? https://youtu.be/ZoyLEwBMQdQ
• The 12 Worst Money Habits (Ranked!) https://youtu.be/VEgX_BT5dA0
• How to Never Worry About Money Again with Jesse Mecham https://youtu.be/_Zrin_NvjpY
• How to Save $100,000 on a Low Salary https://youtu.be/f8-BWWiDpKc
• How to Spot Fee That's Robbing You, Insure Your Kids' Future & Retire Two Decades Early - Money Q&A https://youtu.be/2y6bjDkgbgM

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• LinkedIn →⁠ ⁠⁠https://www.linkedin.com/in/andrew-giancola-45027b340 ⁠

Question for you:

Which level are you targeting: Coast, Lean, traditional FI, Chubby, or Fat? Comment your answer and why.

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