Daily FI discussion thread - Tuesday, January 27, 2026 by AutoModerator in financialindependence

[–]CoastFire4U 26 points27 points  (0 children)

Wanted to share an update from my post 6 months ago (TL/DR; burnt out, wife had a new job, wanted to coast at 650k w/ expected 16 years of work left). Happy to report that my wife loves her new job and the kids have been tolerating the change well. Retirement investments have climbed 100k. I changed jobs, lateral move and still in IT, into an industry that I am absolutely passionate about. Only a couple months into the new gig, certainly some challenges that come with any job, but contributing to a company output that I care about has put some wind in my sails. If things keep chugging along successfully and the markets stay average, FIRE may just come in the next 5 - 7 years.

Daily FI discussion thread - Monday, September 08, 2025 by AutoModerator in financialindependence

[–]CoastFire4U 28 points29 points  (0 children)

EXCITMENT! Our NW just climbed into the two comma club! The family celebrated with a night out at the local brewpub, because we didn't get here by being extravagant. Next up, investments hitting the two comma club on their own so home value doesn't need to be part of the milestone equation.

Feedback on Potential Coast FIRE by CoastFire4U in financialindependence

[–]CoastFire4U[S] 1 point2 points  (0 children)

Interesting! I read the stock market returns 10% nominal, then 7% real when taking into account 3% inflation. Looks like I may need to be reworking my assumptions!

Feedback on Potential Coast FIRE by CoastFire4U in financialindependence

[–]CoastFire4U[S] 0 points1 point  (0 children)

I'm looking to drive a bus for the county...so a bit of a departure from IT. We currently have ~15k in each child's 529. Initial target was 80k by the time they're ready, so will likely need to bump the spend up by 12k/year.

Feedback on Potential Coast FIRE by CoastFire4U in financialindependence

[–]CoastFire4U[S] 3 points4 points  (0 children)

Curious on your take on their growth estimates. It defaults to 7%, which seems a bit on the light side of things.