At your current savings rate, you could reach Barista FIRE in ~11 years (age 46).
Barista FIRE Target$1.00M$40k/yr gap ÷ 4%
vs Full FIRE−33%Save $500k less
Progress20%$200k of $1.00M
Income Gap$40kPortfolio must cover this/year
Full FIRE Target$1.50MIf you didn't work at all
Years to Barista FIRE11 yrs~Age 46
CURRENT SAVINGS → BARISTA FIRE TARGET20.0%
Portfolio Growth vs Targets
Orange dashed = Barista FIRE target · Red dashed = Full FIRE target
How Barista FIRE Works
1
Build your Barista FIRE portfolio
Invest aggressively until you hit the Barista target — a much smaller number than full FIRE because your income gap is smaller.
2
Go part-time
Take the lower-stress job. Work as a barista, consultant, freelancer, or in any role you actually enjoy. You only need to cover your expenses — your portfolio handles the gap.
3
Let time work for you
Your portfolio keeps compounding. Many Barista FIRE folks reach full FIRE years ahead of schedule because they stopped stressing, made better decisions, and kept a toe in the market.