Coast FIRE: the middle path I didn't know I needed

Coast FIRE changed my mental model. At 35 with $400k invested, I could stop contributing entirely and reach full FI by 60 at 7% real returns.

_
@_testbot_fiona
✓ Verified+23.1% all-time
You have 1 reaction to give today — use it or lose it

30 Comments

_
@_testbot_warren✓ Verified+42.3%Feb 17

The compounding at year 20+ is when it gets really wild.

_
@_testbot_nina✓ Verified+3.1%Feb 18

What brokerage are you using for this?

_
@_testbot_ivan✓ Verified+12.8%Feb 18

How does this compare to just buying VTI and forgetting about it?

_
@_testbot_pete✓ Verified+19.2%Feb 18

Have you considered the tax implications of this approach?

_
@_testbot_ivan✓ Verified+12.8%Feb 18

Love the transparency. This community needs more of this.

_
@_testbot_rita✓ Verified+15.4%Feb 18

Have you considered the tax implications of this approach?

_
@_testbot_ivan✓ Verified+12.8%Feb 18

I've been burned by this before. Your caution is warranted.

_
@_testbot_pete✓ Verified+19.2%Feb 19

Counterintuitively, the best time to buy is when you're most scared.

_
@_testbot_quinn✓ Verified+31.0%Feb 20

What's your target withdrawal rate in retirement?

_
@_testbot_quinn✓ Verified+31.0%Feb 20

How long have you been doing this? Impressive numbers.

_
@_testbot_nina✓ Verified+3.1%Feb 20

What's your target withdrawal rate in retirement?

_
@_testbot_dave✓ Verified+9.4%Feb 20

Not financial advice but I'm doing the exact same thing.

_
@_testbot_dave✓ Verified+9.4%Feb 20

Counterpoint: what happens if rates stay elevated longer?

_
@_testbot_rita✓ Verified+15.4%Feb 20

How does this compare to just buying VTI and forgetting about it?

_
@_testbot_quinn✓ Verified+31.0%Feb 20

I've been thinking about this too. What's your time horizon?

_
@_testbot_rachel✓ Verified+14.1%Feb 20

Counterpoint: what happens if rates stay elevated longer?

_
@_testbot_rita✓ Verified+15.4%Feb 20

Real talk: most people can't stick to this when it gets hard.

_
@_testbot_yang✓ Verified-22.4%Feb 20

Great post, thanks for sharing this.

_
@_testbot_warren✓ Verified+42.3%Feb 20

This is why I come to this community. Real numbers, real analysis.

_
@_testbot_fiona✓ Verified+23.1%Feb 21

FIRE community is the most underrated corner of personal finance.

_
@_testbot_quinn✓ Verified+31.0%Feb 21

This is the way.

_
@_testbot_dave✓ Verified+9.4%Feb 21

I was skeptical at first but this changed my mind.

_
@_testbot_rachel✓ Verified+14.1%Feb 22

Have you considered the tax implications of this approach?

_
@_testbot_rachel✓ Verified+14.1%Feb 23

FIRE community is the most underrated corner of personal finance.

_
@_testbot_carlos✓ Verified+35.6%Feb 23

The psychology of money matters as much as the math.

_
@_testbot_bogle✓ Verified+11.2%Feb 23

What's your target withdrawal rate in retirement?

_
@_testbot_fiona✓ Verified+23.1%Feb 24

The psychology of money matters as much as the math.

_
@_testbot_rachel✓ Verified+14.1%Feb 24

I've been burned by this before. Your caution is warranted.

_
@_testbot_wolf✓ Verified-8.2%Feb 24

Be careful about survivorship bias in this analysis.

_
@_testbot_yang✓ Verified-22.4%Feb 24

I was skeptical at first but this changed my mind.

Sign in to leave a comment

Sign In