🏝 How much do you need to invest for Coast FIRE?

Coast FIRE lets you dial back your career years before full retirement. The idea is simple: you save aggressively early on, hit a "magic number," and then stop contributing to retirement accounts. Your existing investments do the heavy lifting and compound until you retire.

The Money Guy Show recently broke down how to calculate if you can afford to downshift to a lower-stress job. Let's run the math on your timeline to see if you've reached your Coast FIRE number.

Now, let's look at what you already have invested.

Since you won't be adding any new money to these accounts under a Coast FIRE strategy, your current balance needs to grow enough on its own. We use a conservative 7% real return rate to estimate future purchasing power after inflation.

First, we need to know your end goal. How much income will you need in retirement?

Using the classic 4% safe withdrawal rate, we can calculate the total portfolio size you need at retirement to safely generate that income.

This view was inspired by:

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