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Luxury FIRE Calculator

Fat FIRE Calculator

Plan for a luxurious early retirement without lifestyle compromises. Calculate what you need to live your dream life.

Desired Lifestyle

Monthly: $16,667

Conservative (2%)Standard (4%)

Current Situation

Annual savings: $100,000

Timeline

Years to FIRE: 10

Your Fat FIRE Number

$5.71M
Progress to Goal8.8%

Projection

Current Savings$500k
Projected at Age 50$2.46M
Amount Needed$5.21M
Adjustment Needed
Save $28,533/month to reach your goal

Luxury Budget Breakdown

Housing (30%)
$60k/yr
Travel (20%)
$40k/yr
Dining (15%)
$30k/yr
Vehicles (10%)
$20k/yr
Entertainment (10%)$20k/yr
Other (15%)$30k/yr

Protecting Your Luxury Lifestyle

Wealth Preservation

With millions at stake, protecting your wealth from currency devaluation is essential. Gold has preserved purchasing power for thousands of years.

Portfolio Stability

High net worth individuals need stability. Gold provides a hedge against market volatility that could derail your luxury retirement.

Multi-Generational Planning

Fat FIRE often includes legacy planning. Physical gold IRAs offer tax-advantaged wealth transfer to your heirs.

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Learn More

Understanding Fat FIRE

What is Fat FIRE?

Fat FIRE is the luxury version of Financial Independence Retire Early. Instead of cutting expenses to the bone, Fat FIRE means saving enough to maintain or even upgrade your lifestyle in retirement. Think annual spending of $150,000-$300,000+ rather than the $40,000-$60,000 typical of standard FIRE.

Fat FIRE requires a significantly larger nest egg - often $3-7 million+ - but provides the freedom to travel first class, own multiple properties, dine at fine restaurants, and pursue expensive hobbies without financial stress.

Who Pursues Fat FIRE?

  • • High earners in tech, finance, medicine, or law
  • • Successful entrepreneurs who sold businesses
  • • Dual-income households with aggressive savings rates
  • • Anyone who values lifestyle quality over early retirement age

The Math

Fat FIRE Number = Annual Spending × (100 ÷ Withdrawal Rate)

Fat FIRE often uses a more conservative withdrawal rate (3-3.5%) instead of the standard 4% rule, ensuring your portfolio can support higher spending through market downturns.

Example: $200,000 annual spending ÷ 3.5% withdrawal rate = $5.7 million Fat FIRE number

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Protect Your Luxury Retirement

A Fat FIRE lifestyle deserves protection. Gold can help preserve your wealth for the retirement you envision.

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