"I quit my corporate job at 35 and work 20 hours a week at a coffee shop. My investments are on autopilot."
Lifestyle Simulator
What If You Went Part-Time?
Barista FIRE means covering part of your expenses with lighter, part-time work while your investments keep compounding. It won't shrink the nest egg you ultimately need — but it can let you leave a full-time career years earlier. Switch between permanent extra income (a pension or lifelong side gig) and a temporary bridge to see how each changes your number.
Settings
Pension, Social Security, or part-time work you keep through retirement — it lasts for life.
Coast FIRE (no extra income)
$263,555
With permanent income
$131,777
Because $20,000/yr covers part of your expenses for life, your portfolio only needs to fund $20,000/yr — cutting today’s number from $263,555 to $131,777.
Target Comparison by Age
Coast target by age — full expenses vs. covered by permanent income