Targets a bigger number by assuming a comfortable, higher-spending lifestyle in retirement — restaurants, travel, no real budget anxiety. It takes longer to reach but leaves far more cushion for the unexpected.

🇵🇹 Portugal has no general tax on financial wealth, but it does have AIMI (an additional property tax) above certain thresholds — relevant if part of a Fat FIRE number is meant to include real estate, not just an investment portfolio.