Barista-FIRE-Rechner (detailliert) — 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

  • Freedom from demanding career much earlier
  • Part-time work provides structure and social connection
  • Employer benefits (health insurance) from part-time job
  • Portfolio continues growing during part-time years

    • Lösungsbeispiel

    $50,000 expenses, $20,000 part-time income, $400,000 saved, 4% withdrawal rate.

    1. Income gap = $50,000 - $20,000 = $30,000
    2. Barista FIRE number = $30,000 / 4% = $750,000
    3. Current savings ($400,000) vs target ($750,000)
    4. Deficit = $400,000 - $750,000 = -$350,000 (not there yet)