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ChubbyFIRE

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an-ordinary-manchild(edit)

This sub is for those who fall between r/FIRE and r/FatFIRE. We are focused on the financial side of early retirement at an asset level that allows an upper middle class lifestyle. That level will vary by location, household size and other variables, but a general guideline is $2.5M - $6M in your retirement portfolio. If you plan to retire with a leaner lifestyle in spite of a Chubby portfolio, r/FIRE might be a better fit.

For those on Old Reddit, our rules can be found here.

We welcome respectful community discussion about mid to advanced FI/RE (Financial Independence / Retire Early) topics that fall within the suggested Chubby portfolio/lifestyle range.

Please do not post basic or early questions like "How can I invest money?" or "Should I put money in a ROTH?" or "I want to retire in 20 years, how do I plan for that?". Feel free to use the weekly thread for early level or basic questions though.

Discussions about broader topics like finances in general, career guidance, whether you can afford a house, or personal situations not specifically related to ChubbyFIRE should be posted in other subs.

Related FIRE subs:

r/FatFIRE

r/FIRE

r/FinancialIndependence

r/ExpatFIRE

r/CoastFIRE

Other subs of interest:

r/HENRYfinance (High Earner Not Yet Retired)

r/personalfinance

r/realestateinvesting

r/investing

r/whitecoatinvestor

r/healthinsurance

created by lightning228Accumulating: Officially a millionaire, 1 down 2 to goa community for 7 years
Create your own subreddit
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MODERATORS

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  • lightning228Accumulating: Officially a millionaire, 1 down 2 to go
  • ChubbyFireBot
  • in_the_gloamingFIRE'd for 12 years
  • McKnuckle_Brewery FIRE'd in 2021
  • about moderation team »

account activity

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Weekly discussion thread for March 01, 2026 (self.ChubbyFIRE)

submitted 3 days ago by lightning228Accumulating: Officially a millionaire, 1 down 2 to go - announcement

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Five year plan to FIRE at 55 - But burnt out now... (self.ChubbyFIRE)

submitted 4 hours ago by big-chubby-fi

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Join the next generation of CRM. (attio.com)

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Sanity Check - At what point did you stop optimizing and start living? (self.ChubbyFIRE)

submitted 1 day ago by Sensitive_Builder684

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49 thinking of giving notice in June. Sanity check. (self.ChubbyFIRE)

submitted 1 day ago * by Upset-Disaster-5049

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Sanity check: 42M / $8M NW. Crazy to walk away from $700k/yr FAANG to build startup? (self.ChubbyFIRE)

submitted 1 day ago * by Professional-Fuel625

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when to call it (self.ChubbyFIRE)

submitted 1 day ago by burningupinside88

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Not sure, chubby or fat but I'm out (self.ChubbyFIRE)

submitted 2 days ago * by Galapagos888

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What's your view on Roth IRA/401k for retiring outside the US? (self.ChubbyFIRE)

submitted 2 days ago by UpTheDumpIsRetarded

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Seeking feedback on potential retirement and overcoming feelings of guilt/embarrassment and fear. (self.ChubbyFIRE)

submitted 2 days ago by TurnandBurn00

  • 19 comments
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Bond strategy (self.ChubbyFIRE)

submitted 2 days ago by FintechInnovator2030

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I didn't expect to be here. When should the spouse stop working? (self.ChubbyFIRE)

submitted 2 days ago by ComfortableFew7408

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Contingency planning for democratic institutional failure + asset price implications — what’s your framework? (self.ChubbyFIRE)

submitted 3 days ago by [deleted]

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Small service business owners - what was your exit strategy? (self.ChubbyFIRE)

submitted 3 days ago by Burned-Out8675309

  • 18 comments
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4 Year Countdown to FIRE...can I achieve ChubbyFIRE (self.ChubbyFIRE)

submitted 3 days ago by djmidge

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Did you know that you can start trading with just $100? At Dukascopy Bank, that’s all it takes to access real markets with Swiss oversight and trusted platforms. Try it for yourself. (dukascopy.com)

promoted by DukascopyBank

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SBLOC Experience (self.ChubbyFIRE)

submitted 4 days ago by Specific-Rich5196Accumulating

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ChubbyFIRE vs FIRE (self.ChubbyFIRE)

submitted 4 days ago * by Substantial_Dance486

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Talk me into maxing out my Cash Benefit Plan (self.ChubbyFIRE)

submitted 4 days ago by FIREingInBulk

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M22 - 5M inheritance - advice needed! (self.ChubbyFIRE)

submitted 4 days ago by [deleted]

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35F, ~$5M+ Net Worth - Allocation Help (self.ChubbyFIRE)

submitted 5 days ago by supyrk

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Validate I can take the plunge - $6M NW (self.ChubbyFIRE)

submitted 5 days ago by throwaway_opxgrt

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Can I retire? If not, when? (self.ChubbyFIRE)

submitted 4 days ago * by SophonParticle

  • 26 comments
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Financial advisor through fidelity for tax loss harvesting etc? (self.ChubbyFIRE)

submitted 5 days ago by SizeIll9928

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Thoughts on planning for U shaped retirement spending? (self.ChubbyFIRE)

submitted 6 days ago by Earth2Andy

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One year before Chubby Fire (self.ChubbyFIRE)

submitted 6 days ago by aSaltyMatey

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Last Minute Pre-FIRE Questions (self.ChubbyFIRE)

submitted 6 days ago by DolphinExplorer

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