Advanced International Journal for Research

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Volume 7 Issue 1
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Reinterpreting Fire in India: Between Individual Wealth Goals and Collective Economic Transformation

Author(s) DR. Bharathi Rajan R, MS. Preethy Nagaraj, DR. R.V Suganya
Country India
Abstract The Financial Independence, Retire Early (FIRE) movement—once a Western niche of self-help capitalism—has found new resonance in India’s rapidly transforming financial landscape. This paper explores how FIRE’s behavioural ethos of disciplined saving, early investing, and frugality aligns with India’s developmental ambition of Viksit Bharat 2047. Drawing on Taylor and Davies’ (2021) theory of the financialization of anti-capitalism, the study interprets FIRE not merely as an individual aspiration but as a socio-economic behaviour emerging within India’s digital inclusion revolution. Using empirical data from national financial inclusion initiatives (PMJDY, UPI, NPS, NEP 2020, and Skill India) and theoretical insights on moral economies, rentier subjectivity, and assetization, the paper examines whether FIRE-like thinking can foster a more financially independent citizenry and complement India’s long-term policy goals. While the FIRE mindset offers a behavioural bridge between individual financial discipline and macroeconomic stability, it also risks reproducing inequalities if adopted without inclusive literacy and institutional support. The article thus situates FIRE at the intersection of behavioural finance, social transformation, and developmental statecraft, proposing that the movement’s underlying philosophy—rather than its exclusivist lifestyle—can inform India’s transition from financial inclusion to financial independence.
Keywords FIRE, financialization, frugality, India, Viksit Bharat 2047, digital inclusion, financial literacy, assetization
Published In Volume 7, Issue 1, January-February 2026
Published On 2026-02-22
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E-ISSN 3048-7641
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