Barista FIRE计算器
计算实现Barista FIRE所需的投资组合规模，规划半退休生活，通过兼职工作覆盖部分开支并享受提前退休。
Barista FIRE Number
$750,000
Barista FIRE Number vs Part-Time Annual Income
公式
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
计算示例
$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)
常见问题
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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