FIRE

Financial Independence, Retire Early

We are passionate about FIRE planning because it empowers people to take control of their financial future. Beyond early retirement, FIRE is really about freedom, choice, and designing a life that aligns with your values and goals.

With past experience in a career focused on financial planning, we now coach clients through their FIRE journey with practical strategies for budgeting, saving, and intentional spending. We work with DINKs, SINKs, and anyone pursuing financial independence, helping them create a clear roadmap and take actionable steps toward their goals.

Read more below about the FIRE movement below, and visit the Our Services page if you’re interested in working with us to help create and sustain your own financial independence journey.

FIRE is a financial approach focused on achieving financial independence and the option to retire earlier than the traditional retirement age. It emphasizes intentional spending, high savings rates, and disciplined investing to build a portfolio capable of supporting long-term living expenses.

The core idea is simple: by saving and investing a larger portion of your income, you can grow your wealth faster and gain the flexibility to choose how and when you work. Many people pursuing FIRE aim to build a portfolio that can sustainably support their lifestyle for decades, providing greater freedom and control over their future.

For SINKs (Single Income, No Kids) and DINKs (Dual Income, No Kids), FIRE can be especially powerful. Without the significant financial costs associated with raising children, many individuals and couples have greater flexibility to prioritize saving and investing. This can allow them to build wealth more quickly and potentially reach financial independence sooner, creating more opportunities to design a life centered around freedom, experiences, and long-term financial security.

There are several common variations of FIRE that reflect different lifestyles and financial goals. In addition to these well-known approaches, we’ve also developed our own variation—Travel FIRE—which focuses on pursuing financial independence while intentionally prioritizing travel and life experiences along the journey. It’s a concept we’re passionate about and one we’re excited to share with you.

While Travel FIRE is the path we personally embrace, we recognize that everyone’s goals and priorities are different. We want to help support and guide you along whichever FIRE path best aligns with your lifestyle, values, and financial goals.

FIRE Explained:

Fat FIRE

Designed for those who want financial independence while maintaining a higher-spending lifestyle. This approach typically requires a larger portfolio.

Lean FIRE

Focuses on a minimalist lifestyle with lower annual expenses, allowing individuals to reach financial independence with a smaller investment portfolio.

Barista FIRE

Combines partial financial independence with part-time or lower-stress work to cover some living expenses while investments continue to grow.

Coast FIRE

Achieved when someone has invested enough early in life that their portfolio can grow to support retirement without requiring significant additional contributions.

Nomad FIRE

Combines financial freedom with location flexibility. Focus on building income streams that support a travel-oriented life, often through remote work and lower-cost living.

Expat FIRE

Centered on a goal of living abroad, balancing cost savings with experiencing life in another country. It leverages global cost differences while prioritizing lifestyle and cultural fulfillment.

Travel FIRE

While we are here to support people pursuing any version of FIRE, we’ve personally centered our lifestyle around what we call Travel FIRE.

Travel FIRE is about working toward financial independence while intentionally prioritizing travel along the way. Instead of delaying life experiences until retirement, this approach focuses on building wealth while actively exploring the world.

For us, travel is not an afterthought—it’s part of our intentional spending plan. By budgeting carefully, saving consistently, and investing for the future, we’re able to incorporate international travel into our lives while still making steady progress toward financial independence.

At its core, Travel FIRE is about balance:

  • Saving and investing for long-term freedom

  • Spending intentionally on meaningful experiences

  • Designing a lifestyle that reflects your values today, not just in retirement

We believe financial independence should support the life you want to live—not delay it. Travel FIRE allows us to pursue our long-term goals while creating unforgettable experiences along the journey.

Ready to Explore FIRE Coaching? Let’s Talk

Think of this as a “get to know us” session. We’ll walk you through how our FIRE coaching works, answer any questions, and explore how we can support your path to financial independence in a way that fits your life.

Schedule a time to connect and see how coaching can help you reach your goals.

Not ready to commit to ongoing coaching or accountability? You can also book a one-time consultation for a focused, in-depth session on your FIRE journey. Learn more about both options on our services page.

Important: Our coaching provides education, planning frameworks, and guidance for goal-setting, budgeting, and early retirement planning. This is not personalized investment advice, and we are not licensed financial advisors. Clients should consult a licensed professional before making specific investment decisions.