r/ChubbyFIRE
145k members
r/ChubbyFIRE is a subreddit with 145k members. The most common kinds of discussions are money talk and advice requests, and the community frequently discusses retirement, fire, investment, nw, and income.
This sub is for those who fall between r/FIRE and r/FatFIRE. We are focused on the financial side of early retirement at an asset level that allows an upper middle class lifestyle. That level will vary by location, household size and other variables, but a general guideline is $2.5M - $6M in your retirement portfolio. If you plan to retire with a leaner lifestyle in spite of a Chubby portfolio, r/FIRE might be a better fit.
Popular Themes in r/ChubbyFIRE
#1
Money Talk
: "Pulled the trigger!"
26 posts
#2
Advice Requests
: "Is anyone Coasting at a Chubby level?"
23 posts
#3
Pain & Anger
: "The readiness is fiction -- got pushed out and haven't missed it"
11 posts
#4
Solution Requests
: "Chubby/Fat Roth conversion modeling tools. What do you recommend?"
1 post
Popular Topics in r/ChubbyFIRE
#1
Retirement
: "Nearing Retirement with 3.1M+ total"
146 posts
#2
Fire
: "RE Year 1: A ChubbyFire Income Tax Breakdown"
132 posts
#3
Investment
: "Scaling back savings/Investment contributions once your portfolio hits critical mass?"
43 posts
#4
Nw
: "$5m Nw, on the path but struggling"
40 posts
#5
Income
: "RE Year 1: A ChubbyFIRE Income Tax Breakdown"
38 posts
#6
Job
: "Should I a take the Job and "chubby coast?""
16 posts
#7
Net Worth
: "$4.5 M Net Worth, concerns about spending"
15 posts
#8
Savings
: "Scaling back Savings/investment contributions once your portfolio hits critical mass?"
14 posts
#9
Spending
: "We don’t think about lumpy Spending enough."
14 posts
#10
Chubbyfire
: "Health-driven Chubbyfire decision at 57: leave soon vs stay for bonus/vesting?"
12 posts
Member Growth in r/ChubbyFIRE
Yearly
+32k members(27.8%)
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About
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Last updated: June 14, 2026