Barista FIRE Calculator — Formula
## 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
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
Esempio Risolto
$50,000 expenses, $20,000 part-time income, $400,000 saved, 4% withdrawal rate.
- Income gap = $50,000 - $20,000 = $30,000
- Barista FIRE number = $30,000 / 4% = $750,000
- Current savings ($400,000) vs target ($750,000)
- Deficit = $400,000 - $750,000 = -$350,000 (not there yet)