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Minimalist FIRE Calculator

Lean FIRE Calculator

Calculate your path to early retirement with a minimalist lifestyle. Live intentionally and retire decades earlier.

Minimal Monthly Expenses

Total Monthly$1,800
$21,600/year

Savings

83.3 months of expenses saved

Assumptions

Your Lean FIRE Journey

8.4 years to freedom

Progress to Lean FIRE27.8%

Your Lean FIRE Number

$540k
Age at FIRE43 years old
Monthly Portfolio Income$1,800

Key Metrics

Current Savings$150k
Amount Needed$390k
Years to FIRE8.4
FIRE Age43

Expense Breakdown

Housing$800 (44%)
Food$400 (22%)
Utilities$150 (8%)
Other$450 (25%)

Protecting Your Lean FIRE Nest Egg

Essential Security

With minimal expenses, you can't afford portfolio losses. Gold provides a safety net during market crashes and economic uncertainty.

Inflation Protection

Living on less means inflation hits harder. Gold maintains purchasing power when the dollar loses value, protecting your fixed budget.

Low Correlation

Lean FIRE portfolios need stability. Gold's low correlation to stocks and bonds provides crucial diversification on a tight budget.

RECOMMENDED

Lean FIRE investors protect their minimal nest egg with Gold IRAs. Ensure your purchasing power survives decades of retirement on a fixed budget.

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Understanding Lean FIRE

What is Lean FIRE?

Lean FIRE is the minimalist approach to Financial Independence Retire Early. By keeping expenses low (typically $25,000-$40,000/year), you need a much smaller nest egg - often $600,000-$1,000,000 instead of $2 million+.

Lean FIRE practitioners embrace frugality not as deprivation, but as intentional living. By focusing on what truly matters and cutting unnecessary expenses, they achieve freedom years or even decades earlier than traditional retirement.

Strategies for Lean FIRE

  • Geographic Arbitrage: Live in low cost-of-living areas or countries
  • Minimize Housing: Small homes, van life, or house hacking
  • Cook at Home: Eliminate restaurant spending
  • One Car or No Car: Use bikes, public transit, or car sharing
  • Free Entertainment: Hiking, library, community events

The Math

Lean FIRE Number = Annual Expenses × 25

Example: If you can live comfortably on $30,000/year, your Lean FIRE number is $750,000. At a 4% withdrawal rate, this provides $30,000 annually while preserving your principal.

OUR #1 RECOMMENDATION

Secure Your Lean FIRE Strategy

When living on less, every dollar matters. Gold can help protect your minimalist retirement from market swings.

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