Inside the lives of FIRE followers

The FIRE movement stands for ‘financial independence, retire early’

FIRE followers typically prioritize high savings rates, relatively frugal living, and aggressive investing strategies in an effort to work less and enjoy life more in the long term. They range from low-income manual laborers to high-income tech workers and doctors.

Inside a FIRE follower's money diary

This podcast episode details a few days inside the bank account of a woman in Australia who set out to retire by age 35.

There are five main types of FIRE

Many different types of FIRE exist, and their methodologies and end goals vary drastically. “Lean FIRE” followers, for instance, are minimalists who plan to live modestly in retirement. “Barista FIRE” proponents plan to work part-time in retirement.

Financial rules that many FIRE followers live by include guidelines around tax efficiency and more

Many FIRE proponents follow specific financial rules, like the 4% rule, in order to achieve FIRE. They also take steps to create an efficient tax strategy and take advantage of compound interest.

A FIRE number is the amount of money someone needs in retirement

To calculate one’s FIRE number, FIRE followers typically multiply their expected annual expenses in retirement by 25.

Some FIRE followers abide by the 4% rule for portfolio withdrawals

Many FIRE proponents also abide by the 4% rule, which says that retirees can withdraw roughly 4% (adjusted for inflation) of their retirement portfolio each year.

All kinds of people follow the FIRE movement

Amy X. Wang, the assistant managing editor of The New York Times Magazine, looked at the people behind the growing FIRE movement in a recent podcast episode.

A 1992 personal finance book helped inspire the FIRE movement

"Your Money or Your Life: 9 Steps to Transforming Your Relationship with Money and Achieving Financial Independence" by Vicki Robin and Joseph Dominguez argued that people should prioritize consuming less and living better.

Watch Peter Adeney’s TED Talk

The Mr. Money Mustache blog, started in 2011 and written by Peter Adeney, gained a significant following documenting real people’s experiences trying out FIRE, and also helped popularize the concept.

The pandemic forged new FIRE followers

The FIRE movement gained steam during the pandemic, when some were inspired to clean financial house amid an environment of global economic uncertainty.

Seven early retirement lessons

After one year of retirement under his belt, financial publication Kiplinger's former editor has learned some lessons. Specifically, in this article, he shares his best early retirement advice, from when it makes sense to convert a traditional IRA to a Roth in early retirement, to how to prepare for retirement from a psychological perspective. Read more here.

Financial solutions for HENRYs

The term HENRY stands for "high earner, not rich yet." People who fall into the high earner, not rich yet category tend to have some significant blockers keeping them from accumulating wealth, such as lifestyle creep and student debt. This article outlines some financial planning advice specifically for those in the HENRY category—read it here.

Read why Gen Z is saving more for retirement than older generations

Despite more and more Americans taking money from their retirement funds to cover expenses, many members of Gen Z are investing more in their retirement. Part of the reason for increased savings amongst this generation could be better-designed retirement plans.

Meet a 90-year-old who built his own hobbit-inspired house

A retired carpenter built himself a kind-of Hobbit house, and is living comfortably off the grid at 90 years old, tourists notwithstanding. Learn how he did it with this video.

Should you give up a car in retirement?

Did you know that drivers over the age of 74 tend to pay higher car insurance rates than most other age groups? That small fortune in auto insurance payments is just one reason some people give up a car when they retire. If you're curious about the pros of getting rid of your car when you retire, read this article.

Warren Buffett's advice for middle-class investors includes "pay yourself first"

Warren Buffett might not be part of the middle class himself (he's one of the richest people in the world), but he still knows a thing or two about everyday personal finance tips. This article chronicles his six best pieces of advice for the middle class.

PayPal's Peter Thiel turned his Roth IRA into $5B

In 1999, tech titan Peter Thiel had a Roth IRA with roughly $2K in it. By 2019, that tax-free account was worth $5B. For context, the average Roth IRA was worth roughly $39K at the end of 2018. Naturally, Thiel had a few investment options that the average person probably doesn’t have access to—but the story of his IRA’s boom is nonetheless fascinating.

Should married couples combine finances?

Millennials who live together are more likely to keep their finances separate than any previous generation. After all, as people get married later in life and enter marriage with more assets and financial independence, some argue that the traditional route is risky. But others point to research that suggests couples who combine their finances are still happier than those who don't. To learn more, watch this video.

A ‘rent vs. buy’ financial calculator

The New York Times built a continuously updated financial calculator to help potential homebuyers figure out which makes more sense given their individual situation: buying or renting a home. It takes into account how long someone plans to own the home for, mortgage rates, and more.

Tech entrepreneur Bryan Johnson's mission to live forever

Johnson has invested millions of dollars into developing a biohacking program he believes will extend his life beyond typical expectations, relying on medical professionals to reduce his "biological age." Most notably, he drew significant public attention with reports of blood-swapping with his teenage son.

See the small apartment WeWork founder Adam Neumann lived in before he was a billionaire

WeWork CEO Adam Neumann used to share a relatively small apartment in New York City with his wife before he became a billionaire off of WeWork. At one point, the apartment rented for $3K per month.

How fee-free Robinhood makes money

Robinhood is both loved and hated by retail investors. Although its mobile app is easy to use and transactions on its platform are fee-free, many individuals have taken issue with a controversial practice that drives 75% of its revenues. Robinhood uses payment for order flow, essentially taking payment from other brokerages to redirect users’ trades. Read up on how PFOF works here.

TV show character Frasier Crane would have had a net worth of more than roughly $3.5M today

Between his Seattle high-rise with skyline and water views and his career, Frasier Crane's life on the TV show "Frasier" looked luxurious.

See who Americans spend time with over their lives

Time with friends peaks in the teens and falls sharply by the 30s, while time with coworkers dominates middle age. After retirement, both nearly vanish, and time spent alone climbs steadily to nearly 8 hours a day by age 80.

Burning Man's artists and architects create without seeking profit or fame

Each year Burning Man's Black Rock City sees major achievements in design. Many creators remain anonymous and do not seek fame, profit, or acclaim, valuing the process of creating, and seeking to cultivate culture and identity.

US housing costs have risen by roughly 175% between 1991 and 2026—but a growing number of Gen Zers are becoming homeowners anyway. In 2025, 4% of homebuyers were Gen Z, up from 3% the year before.

Before writing 'Walden,' transcendentalist Henry David Thoreau nearly burned down his hometown with a campfire that grew out of control.

Learn how your body is, scientifically, like a firework with its own slow, controlled burn.

Hedge funds, the private investment firms that trade a wide swath of financial assets, make money by imposing steep fees on investors and from the fund's investment performance.

Warren Buffett's former professor Benjamin Graham is known as the 'father of value investing,' a strategy in which investors seek to buy stocks trading below their intrinsic worth.

Play the role of a student in a game where you try to navigate college and remain debt-free, selecting different income levels, high school experience, race, ethnicity, and more.

Children are now three times more likely to say they want to be a YouTuber when they grow up than an astronaut, with some even attending 'YouTube camps' that teach kids how to create content for the platform.

Watch this video that uses Lego bricks to explain how venture capital works.

The idea for the Federal Reserve was conceived in secret in 1910—with bankers donning duck hunt gear for disguise while traveling to a remote country club on Georgia's Jekyll Island

Frank Lloyd Wright's houses are historically hard to sell because they're old, subject to local landmark commissions, and often unfashionable

A Yale student wrote a profound essay about the consulting industry's influence on elite college students that was published in a book of her writing after she died in a post-graduation car accident.

Apeirophobia is an overwhelming fear of living forever, perhaps stemming from the brain's inability to conceptualize an infinite life.

Massive 3D printers have been used to build homes by stacking layers of 'concrete toothpaste,' a fire-resistant material that effectively insulates against outside noise.

SpongeBob exemplifies Aristotle's philosophy for living well because he understands that happiness doesn't come from external factors like money, recognition, or power.

For centuries, Niagara Falls has been a magnet for daredevils seeking to conquer one of nature's most powerful wonders, with its 200-foot drop and water rushing at 32 feet per second with 280 tons of force.

Use this calculator to find the dollar value of your mental load, from meal planning to coordinating after-school care for your children.

The first steps to rebuilding your credit score include getting to know exactly what's on your credit report and figuring out how far you are from the '700 club,' or 'good score' range.

See the most iconic photos from four decades of LIFE magazine

How Amazon operates a 'flywheel' business model, a self-reinforcing cycle that drives continuous growth

Up to a million Girl Scouts sell about 200 million cookie boxes every spring, generating $800 million, largely because refusing a child is frowned upon

This site reaches millions of visitors who are tired of AI chatbots and seeking human connection. Pretend to be an AI chatbot and ask questions, provide answers, and draw for people in real time.

In 2026, Finland was named the world's happiest country for the ninth consecutive year based on its wealth, social safety network, and high life expectancy, among other factors.

In 1939, baseball star Lou Gehrig delivered his inspirational 'Luckiest Man' speech after retiring due to the health condition that now bears his name.

NBA superstar Victor Wembanyama spent the 2025 summer training with monks in central China to enhance his body and mind.

Salvador Dalí believed he was his own dead brother, who had died nine months before he was born