Coast FIRE

Saving enough early that growth covers retirement.

Coast FIRE is the point where your investments, left alone, will grow to your retirement target on their own. After that, you only need to earn enough to cover today's bills.

Why people aim for it

Reaching Coast FIRE can let you take a lower-paying job you enjoy, work part-time or take a break, without derailing retirement.

ExampleIf you need $1,000,000 at 65 and expect 7% a year, about $93,700 invested by age 30 would get there with no further contributions.
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