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Coast FIRE at 35 (Example)

Mid-30s is frequently when a mortgage, childcare, or other large fixed costs start competing directly with saving rate, which makes the "can I stop contributing?" question of Coast FIRE especially practical here. Thirty years is still enough runway for compounding to do most of the work, but the gap between "coasting" and "still needing to contribute" narrows compared to a decade earlier.

The example, in one line

Starting balance of $80,000, a 7% expected return,$40,000 in annual retirement spending, and a 4% withdrawal rate, targeting age 65. That puts the Coast FIRE number at$123,206, a gap of $43,206 from these savings.Change anything below to make it yours.

Coast FIRE number (today)$123,206to reach $1,000,000 by age 65 on growth alone
$43,206 short of coasting
FIRE number
$1,000,000
Projected at 65
$649,320
Gap to coast
$43,206
$0$500k$1.0M0612182430Projected balance (growth only)FIRE number

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