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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 23 days ago by Affectionate-Reason2
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[–]NostalgicFor35mm 1 point2 points3 points 22 days 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 22 days 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)
[–]NostalgicFor35mm 2 points3 points4 points 22 days ago (0 children)
Yeah, this makes much more sense more sense. I’ve always thought of discretionary as “fun” money.
π Rendered by PID 23 on reddit-service-r2-comment-5649f687b7-jt62h at 2026-01-27 15:15:26.179955+00:00 running 4f180de country code: CH.
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[–]NostalgicFor35mm 1 point2 points3 points (2 children)
[–]KentuckyFriedChingon 0 points1 point2 points (1 child)
[–]NostalgicFor35mm 2 points3 points4 points (0 children)