Kostenloser Barista-FIRE-Rechner (detailliert)
Berechnen Sie, wie viel Ersparnisse Sie benoetigen, um in Teilrente zu gehen und Teilzeitarbeit mit Investitionsentnahmen zu ergaenzen.
Barista FIRE Number
$750,000
Barista FIRE Number vs Part-Time Annual Income
Formel
Barista FIRE
Barista FIRE (named after the idea of working at a coffee shop for health insurance) is a semi-retirement strategy.
How It Works
1. Save enough so portfolio withdrawals + part-time income cover expenses 2. Quit your high-stress career 3. Work a lower-paying job you enjoy for spending money and benefits
Formula
Barista FIRE Number = (Annual Expenses - Part-Time Income) / Withdrawal Rate
Benefits
Lösungsbeispiel
$50,000 expenses, $20,000 part-time income, $400,000 saved, 4% withdrawal rate.
- 01Income gap = $50,000 - $20,000 = $30,000
- 02Barista FIRE number = $30,000 / 4% = $750,000
- 03Current savings ($400,000) vs target ($750,000)
- 04Deficit = $400,000 - $750,000 = -$350,000 (not there yet)
Häufig Gestellte Fragen
What jobs work well for Barista FIRE?
Jobs offering health insurance for part-time workers: Starbucks, Costco, UPS, and REI are well known. Other options include substitute teaching, seasonal work, freelancing, tutoring, or any flexible work you enjoy.
Is 4% a safe withdrawal rate for Barista FIRE?
Since you have part-time income as a buffer, the 4% rule is arguably even safer for Barista FIRE than full retirement. If the market drops, you can temporarily increase work hours instead of drawing down your portfolio.
How is Barista FIRE different from Coast FIRE?
Coast FIRE means you stop saving and let compound growth reach your retirement target by a future date. Barista FIRE means you start withdrawing now (in semi-retirement). Barista FIRE requires more saved upfront.
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