Question

What is the difference between Lean FIRE and Barista FIRE?

Answer

Lean FIRE involves retiring early by maintaining a very minimalist lifestyle and keeping expenses extremely low. Barista FIRE involves leaving a high-stress career but continuing to work part-time — often for health insurance benefits or supplemental income — allowing for a more flexible transition into retirement.

About Mercer Advisors

We exist so you don’t have to worry about money. For more than 40 years, we’ve taken the sophisticated, time-tested approach that many ultra-high net worth individuals use to help manage their financial lives and made it accessible to more families.

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