A millennial who's saved enough to take 'mini retirements' shares the mindset shift anyone can use to build wealth

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Steve Antonioni coined "Camp FIRE," a mini version of the financial independence movement.
It involves saving a 'war chest" to allow yourself flexibility to make a career change or take a break.
His money-saving advice is to treat your personal life like a business, viewing savings as profit.

Steve Antonioni stumbled into a miniature version of FIRE — financial independence, retire early — the movement he'd been pursuing throughout his early 20s.

After building a $90,000 "war chest," he quit his corporate job and started making YouTube videos about financial independence. A few years into that career pivot, he took another break, stepping away from YouTube to focus on his family and start writing a book.

The idea of saving aggressively for a few years to fund a career change or a temporary break resonated so much with him that he gave it a name: Camp FIRE.

Unlike traditional FIRE, which often requires years or even decades of saving and investing to retire permanently, Antonioni sees Camp FIRE as a shorter-term strategy. The goal isn't necessarily to stop working forever. It's to build enough savings to buy yourself flexibility sooner.

"What if you built up this amount of money over a shorter span of time, and then used it to switch your life to be more in alignment with perhaps what you were waiting to do in those 15 years?" he told Business Insider. "Instead, you just kind of did it now. You did it sooner."

The savings mindset shift: Think of your personal life as a business

Whether you're saving for FIRE, Camp FIRE, or simply trying to increase your savings rate, Antonioni says one mindset shift can help: Think about your personal finances like a business.

"I think having the right attitude around savings is very, very important," he said, adding that "even the word 'saving' kind of messes you up from the first place."

People use different language to describe corporate finances and personal finances. For example, businesses have "revenue" and "profit," whereas individuals have "income" and "savings." He finds it helpful to draw a direct comparison between the two.

"A business is trying to earn a profit, right? It's the exact same thing for you — your savings are your profit," he said, adding: "You want to run your life in such a way that you're earning a profit, because that profit is yours. That goes directly to you."

For Antonioni, increasing that "profit" has meant living well below his means and approaching his spending systematically. When he was pursuing financial independence, he said he ate the same two or three meals nearly every day and designed much of his life around routines that kept costs low.

That level of routine happened to fit his personality. Antonioni said he tends to thrive with structure and discipline, but he knows the same approach won't work for everyone.

"I hesitate to give advice for the general person, because I tend to be a bit more of an extreme person myself when I'm in pursuit of a target," he said.

He also pointed out that his circumstances made aggressive saving easier. At the time, he was young, single, and living alone. Now that he has a family, he said, maintaining the same level of simplicity would be harder. Plus, saving aggressively is more difficult in 2026 than it was when he was building his first financial cushion.

"The cost of groceries has literally doubled in many cases," he said. "For people who are looking to get into the housing market, it's a pretty dramatic picture."

The broader lesson, he said, isn't that everyone should eat the same meals every day or live as frugally as possible. It's that savings can be more powerful than leftover money. Treated like "profit," it can become a tool for making a major life change, whether that means trying a new career, pursuing a creative project, or simply taking time away from work.