Barista FIRE

Barista FIRE describes a hybrid form of financial independence. Rather than living entirely off capital, a smaller portfolio is combined with part-time income that covers ongoing living costs.

Because part of the spending is still funded through work, the accumulated portfolio does not have to carry the full cost. That lowers the target capital compared with a complete exit and allows the saving phase to end earlier.

The name alludes to a part-time job, of the kind a role in a café represents. In contrast to Coast FIRE, where you keep working but no longer save, here the part-time income deliberately covers running costs. Whether the approach holds depends on the stability of that income and the level of spending.