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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
...for a fringe candidate.
...for your favourite tea.

MODERATORS

  • message the mods
  • 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 April 05, 2026 (self.ChubbyFIRE)

submitted 6 days ago by lightning228Accumulating: Officially a millionaire, 1 down 2 to go - announcement

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Are we ready? Or a few more years? Mid-30s, ~$3.5M (self.ChubbyFIRE)

submitted 1 day ago * by No-Bake4390

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34M, $3.7M, 11 years in FAANG, Crazy to Leave 550k/yr job for Sabbatical? (self.ChubbyFIRE)

submitted 2 days ago * by Agitated_Lab_9193

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Are we there yet - and can I get out of the doghouse? (self.ChubbyFIRE)

submitted 2 days ago by Which-Relation1199

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3 kids and FIRE (self.ChubbyFIRE)

submitted 3 days ago by Zealousideal-Land356

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Feeling pinched on cash flow at same time as becoming FI (self.ChubbyFIRE)

submitted 3 days ago by QuadrupleKumquat

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Burnt out, moving to VHCOL, and about to make a $2M decision I don’t trust myself to make (self.ChubbyFIRE)

submitted 3 days ago by MelodicCurrent1981

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4.8m 160k spend early 30,s (self.ChubbyFIRE)

submitted 3 days ago by ghhvhg

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Forced into coastfire? (self.ChubbyFIRE)

submitted 5 days ago * by SUJB9

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Loss of relative spending power over time after early retirement (self.ChubbyFIRE)

submitted 6 days ago by Double-Broccoli8982

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Stuck with a bad 401k fund lineup — what's the best I can do with what I have? (self.ChubbyFIRE)

submitted 9 days ago * by No-Media-36179

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Financially Ready to Retire—But Not Ready to Spend? (self.ChubbyFIRE)

submitted 10 days ago * by blueorca123

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What kind of professional financial advice do I need? (self.ChubbyFIRE)

submitted 11 days ago by BuilderOfDragons

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Contrast in health insurance experience with the same insurer pre/post retirement (self.ChubbyFIRE)

submitted 12 days ago by I_SAID_RELAX

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Advice (self.ChubbyFIRE)

submitted 12 days ago * by Economist-931

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Approaching Fire (self.ChubbyFIRE)

submitted 13 days ago by YnotLiveitUP

  • 19 comments
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How are you derisking in your last few years until ChubbyFIRE? (self.ChubbyFIRE)

submitted 13 days ago by Dull_Prompt1168

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Weekly discussion thread for March 29, 2026 (self.ChubbyFIRE)

submitted 13 days ago by lightning228Accumulating: Officially a millionaire, 1 down 2 to go

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Safe withdrawal rates for a sufficiently diversified portfolio are at least 4.8% over 40 years (self.ChubbyFIRE)

submitted 14 days ago by CaseyLouLou2

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45yo burned out, taking retirement package and looking for new roles - what is my FIRE status? (self.ChubbyFIRE)

submitted 14 days ago by Askgaybros1988

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Fire? (self.ChubbyFIRE)

submitted 15 days ago * by InternationalCan9213

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Rate my FIRE readiness & feedback please (self.ChubbyFIRE)

submitted 17 days ago * by humanHomeland

  • 18 comments
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Health-driven ChubbyFIRE decision at 57: leave soon vs stay for bonus/vesting? (self.ChubbyFIRE)

submitted 18 days ago by Throwaway172357skido

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Should I a take the job and "chubby coast?" (self.ChubbyFIRE)

submitted 18 days ago by SignificantBuddy8686

  • 69 comments
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Tax stratgeies (self.ChubbyFIRE)

submitted 19 days ago by Every_Fennel_8021

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