“Drift”​ - A 51-year-old in a high-paying role, earning $650K–$750K a year, has “just over $3M” invested (excluding home equity) and sits firmly in the chubbyFIRE zone with kids in middle school, 529s nearly funded, spouse working, and no urgent health or insurance pressure. On paper, they could likely step away in a few years (and Fidelity’s executive team projection says retiring at 56 with < $5M is fine), but emotionally they’re stuck in the “boring middle”: not energized by work, not quite ready to walk away from comp this high, and unsure whether chasing a $5M+ or “level 5” target is about real risk management or just fear and inertia. To inject meaning, they’re experimenting with small “rich life” moments like stealth-camping in a minivan with their kid at Manhattan Beach to create a memory they’ll probably never repeat while the community points out they’re already financially free enough to choose, even if they keep drifting for now.​