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Scenario: Couple, age 38 & 40, aiming for Coast FIRE by 50 Assumptions: $1.2M target, 5% withdrawal, 3% inflation
- “3 mistakes people make in early retirement planning” - “Why your budget fails after quitting your job”
FIREfly 002: How a Coast FIRE Couple Can Retire 10 Years Early
Most people think early retirement means extreme frugality. But for this couple, the math — and their lifestyle — tell a different story.
The Scenario
Meet Alex and Jamie, 38 and 40, living in Walnut, CA. They’ve saved $450K so far and want to stop full‑time work by age 50.
The Numbers
- Target FIRE number: $1.2M
- Withdrawal rate: 5%
- Inflation assumption: 3%
- Current savings rate: 35%
The Plan
By shifting to part‑time work at 45, they can cover living expenses while letting investments grow untouched.
Key Insight: Coast FIRE isn’t about quitting work tomorrow — it’s about buying back your time without jeopardizing your future.
Lifestyle Impact
They plan to travel 8 weeks a year, volunteer locally, and spend more time with family.
Final Thoughts
If you’ve already built a strong financial base, Coast FIRE might be your fastest path to freedom.
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