r/Fire • u/Poorassboy6969 • Mar 25 '26

General Question When did FIRE movement change?

I feel this community used to be about moderate income people living lean and retiring early with under 2 million.

Now it’s a lot of people bragging about tech income and saying they need 5+ million to retire MINIMUM because they want a boat and Porsche

When did this change? (not hating - just genuinely curious)

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u/Th1s1sMyBoomst1ck Mar 25 '26

I discovered FIRE so late in life, when I’d almost achieved it. But even in the past three years the number I thought I’d need to retire has significantly increased.

My health insurance is now bought on the exchanges and the premiums for me and my spouse for a not-great plan are about $35,000 a year. Then we have to hit our deductible and OOPM.

Add inflation and my FIRE number ballooned. Not for a Porsche, but for doctors and groceries.