Fat FIRE is a luxurious approach to financial independence where you retire early with premium spending, typically $100,000-200,000+ per year. This requires approximately 50% more savings than traditional FIRE.

The goal of Fat FIRE is to retire early without any lifestyle compromises. Fat FIRE adherents maintain upper-middle to wealthy living standards with premium housing, frequent travel, fine dining, and luxury experiences.

Example: With $120,000 annual expenses and a 4% withdrawal rate, you need $3,000,000 to achieve Fat FIRE. This provides $10,000/month for luxury spending without financial stress in retirement.

Fat FIRE requires high income and aggressive savings:

• 💼High Earning Career: Tech, finance, consulting, medicine, law ($200K-500K+)
• 📈Aggressive Saving: 40-60% savings rate, maxing all retirement accounts
• 🏢Business Income: Entrepreneurship, real estate, or equity compensation
• 💎Smart Investing: Diversified portfolio with tax-efficient strategies
• ⏰Time Horizon: Typically 10-20 years of focused wealth building

Fat FIRE Timeline Example:

Age 30: $250K income, 50% savings = $125K/year saved
Age 40: With 7% returns, portfolio reaches $2M+
Age 45: Continue saving, portfolio reaches $3M+ (Fat FIRE achieved!)

Trade-off: Fat FIRE requires 3-7 more years of work than Lean FIRE, but provides significantly more spending freedom and lifestyle flexibility in retirement.