What should I invest in?

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.