You can adapt the Financial Independence, Retire Early movement to fit your lifestyle. Getty Images By Eileen Ambrose, Senior Editor October 3, 2019From Kiplinger’s Personal Finance It’s easy to dismiss the super savers who embrace the FIRE movement as starry-eyed dreamers or cultish extremists. Financial Independence, Retire Early followers—many of whom are millennials who consider working 9 to 5 to be drudgery—often save 50% to 70% of their annual income with the goal of retiring in 10 to 15 years. The aggressive “Lean FIRE” savers share tips online on how they manage on less than $40,000 a year—for example, by Dumpster diving, living in a van, not having children or living on a diet of rice and beans.SEE ALSO: FIRE Savers Race to Retirement But FIRE is much more than that. FIRE followers track their money, invest in low-cost funds, avoid high-interest debt and focus their spending on what’s important to them, rather than buying things because they can afford them. Adapting some of these FIRE principles to fit your less-austere lifestyle can go a long way toward helping you achieve your retirement goals. If you’re not ready to go full-blown FIRE, here’s how to be FIRE-ish. Supercharge your savings. Boosting savings gives you more money to invest. But more important, “every time you increase your savings rate, you are decreasing your lifestyle,” says Whitney Morrison, principal financial planner with LegalZoom. That means you won’t need to accumulate as much to maintain your lifestyle in retirement. Advertisement FIRE folks typically watch every penny. You don’t have to be that precise, but you should have an idea of your cash flow so you can find extra dollars to put toward savings. Some expenses, such as a car loan or kids’ extracurricular activities, disappear over time, freeing up money that you can redirect into investments, says Melissa Sotudeh, a certified financial planner in Rockville, Md. “If you’re at the point that you’ve got the kids launched, that’s a big pay raise there,” she says. Or boost savings by cutting expenses. “There is a lot of low-hanging fruit that won’t force you into depriving yourself,” says Brad Barrett, cofounder of the ChooseFI website. You don’t have to give up your lattes. Look to housing and transportation, the largest expenses for consumers. If the kids are grown and you no longer need a four-bedroom house, consider downsizing. Many FIRE folks also move to areas with a lower cost of living. Barrett moved from a one-bedroom co-op in East Northport, N.Y., to a four-bedroom home in Richmond, Va., and slashed his housing expenses in half. Some FIRE advocates also ditch cars in favor of bikes, or they move closer to work so they can walk to their jobs. Barrett says he and his wife each have a car for convenience, but they drive older vehicles (his is a 2003 model; hers is a 2013). Advertisement SEE ALSO: 38 Ways to Earn Extra Cash in 2019 Also look for ways to increase income. FIRE practitioners often find creative ways to generate income, such as blogging about their path to financial independence. Sotudeh says a pair of her clients pull in $30,000 a year by leasing their basement through Airbnb. Consider consulting on the side or finding ways to turn hobbies into cash, such as selling your crafts. “It can potentially help you retire earlier, but it can also help you create more income in retirement,” says Katrina Soelter, a CFP in Los Angeles. Review the investment fees you pay, which can significantly erode your returns over time. FIRE acolytes favor low-cost index funds, such as those offered by Vanguard, Schwab and Fidelity.