Luxury retirement — financial independence without lifestyle compromise.
Fat FIRE is financial independence without lifestyle sacrifice. Target annual expenses of $100,000+, requiring more assets than traditional FIRE but allowing you to retire early while maintaining a comfortable or even luxurious lifestyle.
Fat FIRE retirements are typically longer (40-50 years) and involve larger portfolios where market volatility has bigger impact. A 3-3.5% withdrawal rate is recommended instead of the standard 4%.