r/ChubbyFIRE
155k members
r/ChubbyFIRE is a subreddit with 155k members. The most common kinds of discussions are advice requests, and the community frequently discusses chubby fire, fire, net worth, retirement, and struggling.
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. Your account must be 15+ days in age with 50+ karma in order to post.
Popular Themes in r/ChubbyFIRE
#1
Advice Requests
: "Does anyone not deal with ACA marketplace MAGI restrictions and just pay full price?"
4 posts
Popular Topics in r/ChubbyFIRE
#1
Chubby Fire
: "Chubby Fire Number"
13 posts
#2
Fire
: "Checking in after first year of Fire"
11 posts
#3
Net Worth
: "Miracle of Compounding: Net Worth tripled in 9 years."
8 posts
#4
Retirement
: "Retirement advice for projected $4 million 401k in 15 years + $2,555/mo pension"
5 posts
#5
Struggling
3 posts
#6
Spending
: "Retired couple, $3.9M portfolio — looking for a critique of our Spending-driven allocation"
3 posts
#7
Aca
: "Does anyone not deal with Aca marketplace MAGI restrictions and just pay full price?"
3 posts
#8
Portfolio
: "How to factor bonds into a Portfolio that is primarily taxable?"
3 posts
#9
How Close
2 posts
#10
Assessment
2 posts
Member Growth in r/ChubbyFIRE
Yearly
+30k members(24.2%)
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About
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Last updated: October 1, 2026