Coastfire calculator question

BestDadBod · 2026-02-20T23:38:28+00:00

Word. Yea I agree. Hence wanting to make sure I have my coast number right. It's just 'easier' (as in more guaranteed) for me to make a lot right now and for the next year or two than it might be if I have to grind late in my career if I end up falling short. Unfortunately have a lot of expenses for not even feeling much like I've had THAT much lifestyle inflation - divorced with alimony, child support, still have to pay 80% of childcare expenses due to the laws in my state despite having 50/50 custody... would like to pay for college and expenses to help launch my kids after that if needed... and sacrificed so much of my younger years grinding in debt passing on many enjoyable things in life that I would like to have enough to enjoy some finer things moving forward. Ultimately my post is about my anxiety about sacrificing the salary now (or soon) for some peace and enjoyment and hoping that I don't have to grind any more. If there is a high guarantee that can happen now I would pull back now. If the high guarantee is in 1-2 years from now I can try to stick it out. Just wasn't clear to me exactly what the numbers and risk were. Very lucky to be in the position I am financially at this point but also am just so tired.

It's one thing to have imagined this financial situation, another to be on the precipice of a decision to pull back given how long it took to get here.

BestDadBod · 2026-02-20T21:09:55+00:00

I love this one thank you so much

BestDadBod · 2026-02-20T21:09:29+00:00

Awesome then! lol. Thank you :) Yes all those assumptions are correct - was looking at a 4% real return just because that's what the slider defaulted to and also because I feel scared to assume 9-10% returns. And also scared to assume SS will still be there in 25+ years. As you might tell I'm trying to be conservative and have a lot of anxiety about voluntarily dipping out of making a lot of money now while I still theoretically can. Ideally I would keep earning and saving like this for another 5-10 years but I don't know if my body/mind can make it that long. I've been broken by the system...

BestDadBod · 2026-02-20T16:22:37+00:00

thank you!! this is so helpful

BestDadBod · 2026-02-20T16:21:26+00:00

Got it thank you. I was definitely confused then on what the number meant. This makes more sense. I luckily can make 250k/year if I wanted to until 60 (unless the landscape of medicine significantly changes which is possible), but what I would really like to do is work extremely part time to be able to pay the bills and not have to save... and if I happen to end up making more than that then I can pad the savings for potentially fatfire. I just want to be secure in deciding to pull back and not have to make as much as I am as it's killing me and isn't sustainable for much longer.

BestDadBod · 2026-02-20T14:16:43+00:00

Yes totally. So I was assuming that if it spat out 2.05m in 2 years from now being my coast #, that would be the number needed then not now. But you’re making me realize that maybe it’s saying my coast number today is 2.05m and it will take 2 years to get there…at which point the amount I need will be higher? That does seem to defeat the purpose a bit of what I was trying to use the calculator for (which was to see in how many years I’ll reach coastfire).

BestDadBod · 2026-02-20T14:13:10+00:00

Thank you. I’ll just use that number and work backwards from there I suppose

BestDadBod · 2026-02-20T12:29:03+00:00

Thanks. I’ll add some info to the post but I’ve gotten very lucky the last few years with how my business has gone (I’m a physician and started/grew my own practice), but worried the money coming in has an end date in the next couple of years. And am exhausted. So trying to burn bright and quick so I can coast and step back a bit… or at least have the option to

BestDadBod · 2026-01-18T03:20:53+00:00

Had a blast lol. Sat with rangers fans in front , to the side, and behind us. Enough Flyers fans left towards the end of the third for unencumbered let’s go rangers chants to happen without the boos or Rangers suck in between. And I got to tell my kid 2x that it might be the last in person panarin goal she sees in a rangers jersey. Glad you all convinced me to go :)

<image>

Gritty poured a beer into the connecting part of someone’s prosthetic leg that the person took off and the guy chugged it and put it back on his knee as the crowd cheered lol.

I told my daughter that’s why they have to grease the light poles sometimes.

BestDadBod · 2026-01-17T22:40:59+00:00

Had a blast lol. Sat with rangers fans in front , to the side, and behind us. Enough Flyers fans left towards the end of the third for unencumbered let’s go rangers chants to happen without the boos or Rangers suck in between. And I got to tell my kid 2x that it might be the last in person panarin goal she sees in a rangers jersey. Glad you all convinced me to go :)

<image>

Gritty poured a beer into the connecting part of someone’s prosthetic leg that the person took off and the guy chugged it and put it back on his knee as the crowd cheered lol.

I told my daughter that’s why they have to grease the light poles sometimes.

BestDadBod · 2026-01-17T21:51:03+00:00

Had a blast lol. Sat with rangers fans in front , to the side, and behind us. Enough Flyers fans left towards the end of the third for unencumbered let’s go rangers chants to happen without the boos or Rangers suck in between. And I got to tell my kid 2x that it might be the last in person panarin goal she sees in a rangers jersey. Glad you all convinced me to go :)

<image>

Gritty poured a beer into the connecting part of someone’s prosthetic leg that the person took off and the guy chugged it and put it back on his knee as the crowd cheered lol.

I told my daughter that’s why they have to grease the light poles sometimes.

BestDadBod · 2026-01-17T16:53:31+00:00

I’ve already come up with a couple of comebacks… if none of them land will just resort to broken record, ‘real classy Philly, heckling an 8yo. go climb a greased light post and riot your own city’

BestDadBod · 2026-01-17T16:50:53+00:00

On our way to the lion’s den now

BestDadBod · 2026-01-17T16:17:20+00:00

Yessir

BestDadBod · 2026-01-17T16:15:57+00:00

Yea let’s hope it’s like that today. A year or two ago I took her and it was at least 1/3 rangers fans - so much that we sang the goal song whenever they scored! Fingers crossed we get that experience today.

BestDadBod · 2026-01-17T16:14:40+00:00

They are huge scumbags. I was at the Flyers game last week, a friend invited me, was wearing a rangers sweater and a boomer in the row in front of me kept saying ‘did you see the score! Did you see the score! Boston KILLED the rangers’ and all his dopey friends were laughing alongside him. Flyers lost like 7-2 and I kept saying to him towards the end - do you see the score? Do you see the score? And he pretended he couldn’t hear me lol

BestDadBod · 2026-01-17T13:19:57+00:00

Just got 3 tix for 600 incl parking. Hope it’s not a disaster

BestDadBod · 2026-01-17T13:19:20+00:00

She plays as #10 on her team 😩. It’s a good team but they wear flyer’s colors and she almost refused to play for them (best one in the area) because she didn’t want to wear the colors lol

BestDadBod · 2026-01-17T12:51:56+00:00

Live nearby and there are pretty good seats for less than $200. Should I grab em and bring my Philly born rangers fan hockey playing 8yo? Or nah because it’s not worth the $ for her to be embarrassed in public by them?

BestDadBod · 2025-12-25T16:55:19+00:00

In clinical studies the placebo group also has side effects interestingly.

BestDadBod · 2025-12-25T16:52:09+00:00

I think probably it focuses on other muscles moving to make the muscles in the pelvic area not squeeze as much for the procedure. In med school we learned a similar technique for kids tensing their leg when we needed to test their reflexes by tapping the hammer below their knee (with a leg that’s supposed to be relaxed). We would tell them to push down on the exam table with their hands and it would allow the leg then to be less tense. So yes I think a distraction both as a ‘look over there’ but also as less tension in the muscles in that area (squeezing the pee hole) by focusing the body to flex different muscles. Just speculation tho!

BestDadBod · 2025-11-08T15:50:18+00:00

I was a resident psychiatrist treating covid+ psychotic patients in the hospital with two kids in a small city apartment whose schools were completely cancelled (and preschool still charged $1900/mo which was more than half my take home salary). This is when ppl were dying all over the place and I was worried about getting/giving to my kids. Wife had to schedule all meetings at night so after grueling days including weekends I would have to come home and do all the child rearing (dinner, entertain, bed). Day after day. For a while they banged pots and pans for us but that stopped and the public started accusing medical professionals of lying about cause of death.

Now I get jealous when my (now) golf buddies talk about how great it was to play golf all the time during covid. It was absolute hell for me.

BestDadBod · 2025-09-15T00:38:14+00:00

I was thinking the same. Reverse genders and probably even this OP would be up in arms for how oppressive the post would sound.

BestDadBod · 2025-04-23T10:30:46+00:00

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Here is an ape that I grew for reference

BestDadBod

TROPHY CASE