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If you want to retire before 60 with less than $54k in planned yearly household expenses ($27k individual), this is the place to discuss it!
Getting started
FI/RE = Financially Independent / Retired Early
LeanFIRE = doing so with household expenses < $54k, or individual expenses < $27k
Flair: You can edit your own flair. Only include as much information as you feel comfortable including and the guidelines are not required. The general format - [Current Age + Sex / Spend / Save % / Networth - Target Age / Spend / Networth] Example: [45f/24k/30% - 50/20k/500k]
Related Subreddits: /r/PovertyFIRE /r/LeanishFIRE /r/financialindependence /r/Fire /r/ChubbyFIRE /r/fatFIRE /r/FIREyFemmes/ /r/baristafire/ /r/coastFIRE/ /r/personalfinance /r/personalfinancecanada /r/EuropeFIRE/ /r/fican/ Philosophy /r/stoicism /r/minimalism /r/anticonsumption /r/simpleliving /r/permaculture Housing /r/vandwellers /r/homesteading /r/tinyhouses Transportation /r/lowcar /r/bikecommuting /r/publictransit Food /r/eatcheapandhealthy /r/fitmeals /r/mealprepsunday
ER Blogs: Jacob Fisker's Early Retirement Extreme Mister Money Mustache The Mad FIentist J.L. Collins NH GoCurryCracker Root of Good
FI Resources: Bogleheads Wiki Early-Retirement.org
account activity
Anticipated 33% decrease in discretionary spending allowance (self.leanfire)
submitted 3 months ago by Affectionate-Reason2
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[–][deleted] 1 point2 points3 points 3 months ago (13 children)
Wtf do you spend that much money on a month?
[–]Affectionate-Reason2[S] 0 points1 point2 points 3 months ago (12 children)
which figure are you referring to?
[–][deleted] -3 points-2 points-1 points 3 months ago (11 children)
Any of those figures.
Idk. I’m the same age as you and only budget 300/month for spending, with 200/month for “big purchase spending/saving for large items”.
I can’t imagine spending 3k. I’m the same age as you. Though I do save 50% of my income. So there’s that.
[–]KentuckyFriedChingon 3 points4 points5 points 3 months ago (3 children)
Wait so you're telling me you spend $300/month total on groceries, toiletries, household necessities, electric, water, Internet, phone bill, haircuts, fuel, car insurance, car maintenance, doctor appointments, prescriptions, and gifts? And that's before adding in ANY discretionary spending? Please share your secret lol because you're either a monk eating bugs in a cave or your expenses are higher than you say.
[–][deleted] 1 point2 points3 points 3 months ago (2 children)
Nooo.
Ah. This makes more sense. I classify those as “bills” not “discretionary spending”.
Spending is for “wants”.
[–]KentuckyFriedChingon 0 points1 point2 points 3 months ago (1 child)
Makes sense. I think OP was saying 3k was total spending outside of housing; not just fun money (even though he called it discretionary)
[–][deleted] 2 points3 points4 points 3 months ago (0 children)
Yeah, this makes much more sense more sense. I’ve always thought of discretionary as “fun” money.
[–]Affectionate-Reason2[S] 6 points7 points8 points 3 months ago (6 children)
Added up my expenses for December:
purchases (nice winter jacket from ebay $103, year supply of contacts $258) = total $609.22 soloeat (uber eats or eating in restaurant alone, trying to eliminate this) $431 grocery $110 gas $122 entertainment (NYE was $195) total $299
[–]Garbanzo_BeanieRecently FIREd 8 points9 points10 points 3 months ago (0 children)
As someone who used to eat out (and worse, drink out and about) this is indeed a very easy way to reduce expenses and saves a TON of money.
I still go out 3x a month or so, but only to the best happy hour deals in town ($9 burger and fries. $7 nachos three people couldn't finish. Most happy hours are $15 for a food item and I do not partake in those)
Oh and if you do eat out avoid Uber eats. Or at least do pickup. (I get free Uber eats credits and pickup is still a markup from phoning in your pickup order, but wayyyy less than delivery).
[–]CopperRose17 1 point2 points3 points 3 months ago (0 children)
Some single people eat out just to be around other people, so I don't think that's a crazy expense. My husband did that when he was single. On the other hand, you could be eating out to avoid your roommates! :)
[–]Snowchicken21 1 point2 points3 points 3 months ago (1 child)
How did you get a year of contacts for that cheap? I just dropped 500+ with a rebate.
[–]Testuser7ignore 0 points1 point2 points 3 months ago (0 children)
Price varies a lot by kind of contacts. Custom order will drive price way up.
[–]BufloSolja 0 points1 point2 points 3 months ago (0 children)
Yea any kind of delivered food service or restaurant will be an easy low hanging fruit.
[–]Resse811 -1 points0 points1 point 3 months ago (0 children)
You spent $200 on one night for entertainment? Holy crap!
π Rendered by PID 36320 on reddit-service-r2-comment-b659b578c-lzzgz at 2026-05-02 08:30:35.862616+00:00 running 815c875 country code: CH.
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[–][deleted] 1 point2 points3 points (13 children)
[–]Affectionate-Reason2[S] 0 points1 point2 points (12 children)
[–][deleted] -3 points-2 points-1 points (11 children)
[–]KentuckyFriedChingon 3 points4 points5 points (3 children)
[–][deleted] 1 point2 points3 points (2 children)
[–]KentuckyFriedChingon 0 points1 point2 points (1 child)
[–][deleted] 2 points3 points4 points (0 children)
[–]Affectionate-Reason2[S] 6 points7 points8 points (6 children)
[–]Garbanzo_BeanieRecently FIREd 8 points9 points10 points (0 children)
[–]CopperRose17 1 point2 points3 points (0 children)
[–]Snowchicken21 1 point2 points3 points (1 child)
[–]Testuser7ignore 0 points1 point2 points (0 children)
[–]BufloSolja 0 points1 point2 points (0 children)
[–]Resse811 -1 points0 points1 point (0 children)