Coast FI is the point where you have saved enough for retirement that you no longer need to keep saving. Your investments still need time to grow, but they can do the rest of the work on their own. From that point on, work becomes a choice instead of a requirement. That is the simple…
Your Coast FI number is the amount you need saved today so that investment growth alone can carry you to your full retirement target by the age you choose. It is a single number, and it comes from three inputs: how much you will need in retirement, how many years your money has to grow,…
Coast FI and Barista FIRE sound alike, and they are both steps on the way to full financial independence, but they work in different ways. Coast FI is about your savings. Barista FIRE is about your job. Once you see the difference, it is easier to tell which path fits your life, or whether you…
Coast FI is the point where your savings are enough for growth alone to carry you to your full retirement target by the age you choose. Reaching it faster is about moving the two sides of that idea: saving more now, or lowering the number you need to reach. Both work, and the best plans…
Your Coast FI number is not one number for life. It changes with your age, because it depends on how many years your money has left to grow. At 30, time does most of the work, so the number is small. At 50, time is shorter, so the number is much larger. This post shows…
