Barista FIRE
Barista FIRE blends part-time work with your portfolio — the job (and often its benefits) covers part of your spending, so you need less invested.
Barista FIRE blends part-time work with your portfolio — the job (and often its benefits) covers part of your spending, so you need less invested.
Barista FIRE is when part-time income covers part of your expenses, so your portfolio only has to fund the rest. The name comes from taking a lower-stress job — sometimes for the health benefits — while your investments carry the remainder.
Barista number = (annual expenses − part-time income) ÷ safe withdrawal rate. If you spend $50,000 a year and earn $20,000 part-time, your portfolio only needs to cover $30,000 — about $750,000 at a 4% withdrawal rate, versus $1,250,000 for full FIRE.
Runs in your browser — nothing is sent anywhere.
Barista FIRE is semi-retirement where part-time income covers part of your expenses and your portfolio funds the rest. Your number is (annual expenses minus part-time income) divided by your safe withdrawal rate.
It refers to taking a lighter part-time job — classically one with health benefits, like a coffee-shop role — to bridge the gap while your investments keep growing.
See your number free above, then put the countdown on your iPhone home screen.