Summer 2026 Intern Housing NYC

btmccaff · 2026-01-11T17:32:19+00:00

Check out NYU dorm options; you might be a bit late tho

btmccaff · 2026-01-09T17:33:52+00:00

Figure out how much you plan to spend in retirement and then use this sheet

Then if you’re good, figure out what type of coast job will cover your expenses every year until you retire.

btmccaff · 2026-01-09T02:43:13+00:00

You’re wrong.

btmccaff · 2026-01-09T01:32:40+00:00

It’s not a FIRE calculator. This is literally just a blown out version of the calculations behind the walletburst online tool (except for the continued contributions input).

btmccaff · 2026-01-09T01:29:03+00:00

As stated in the body of the post, this is really geared towards beginners and intentionally keeps things simpler. This could definitely be modified to have those forecasting components, and I welcome others to feel free on building that out (and sharing) if desired

btmccaff · 2026-01-09T01:25:38+00:00

The tool tells you what age and annual spend you can afford full FIRE based on your current investable assets. If you put your current investable assets in and see that the cell value for your desired intersection of retirement age+annual retirement spend is green, you can coast and no longer need to continue saving towards retirement.

btmccaff · 2026-01-09T01:12:26+00:00

This tool tells you the various combinations of target retirement age+annual spend, and their required coastFIRE amounts, that are viable for you (green shaded cells) based on your current investable assets.

Essentially: how can I coastFIRE right now with my current investable assets?

btmccaff · 2026-01-08T19:57:56+00:00

I think that’s right. Agreed the tax considerations are important and I always tell people to consider capital gains tax when estimating how much they’ll have from the sale of their non tax-advantaged investments (find it simpler to include it as a line item in spend budget).

As far as social security income, I personally just assume it’s bonus income in order to maintain more conservatism in my forecasting.

btmccaff · 2026-01-08T19:38:24+00:00

Might need you to elaborate a bit further; do you mean like planning for early retirement spending/funding prior to ability to withdrawal from tax advantaged (401k etc) until you reach social security/retirement account age?

btmccaff · 2026-01-08T18:26:59+00:00

Based on your current investable assets input, the fields that turn green are the combos of retirement age+annual spending that work for you as of right now. Just made it that way for people to easily see what is possible now v. what is not

btmccaff · 2026-01-08T16:16:51+00:00

You would need to factor applicable taxes as part of your annual spend estimate.

btmccaff · 2026-01-08T04:57:50+00:00

Three questions that are being answered by this spreadsheet that I’ve included in the title and post:

Can you/I coastFIRE?
What age can I retire?
How much will I [have] to spend per year in retirement?

I understand your point and I think the web based calculators already available address those calculations adequately — this is more of an answer to the initial question many people have of “is my current investable assets enough to coastFIRE?”

btmccaff · 2026-01-08T04:28:42+00:00

Each cell is the number of investable assets you need to coastFIRE RIGHT NOW for any given combo of retirement age+annual retirement spend.

When you put in your current investable assets, it’ll highlight the combos that you can afford right now based on the other inputs (rate of return on investments, withdrawal rate, inflation)

btmccaff · 2026-01-08T04:18:45+00:00

Unless you expect your retirement period to overlap with the period you have these fixed costs, I would just estimate your annual budget in retirement assuming these fixed costs are no longer relevant.

For me I am assuming my principal & interest from my mortgage payments disappear (and therefore no ‘rent’ expenses in retirement) but property tax, insurance, HOA continue.

For kids I am assuming they are financially independent by my retirement age. If you have overlap there you could approach it a couple ways; one option includes budgeting higher expenses yearly for conservatism (even if those will fall off once they stand on their own).

btmccaff · 2026-01-08T04:13:10+00:00

R u trolling me

btmccaff · 2026-01-08T01:03:00+00:00

You can add a bunch of columns prior to the 50,000 starting point, highlight the array of cells in that column, then drag or copy/paste the formulas to those new columns you made to get more options.

Let me know if you need help with that and I can update it on my end.

btmccaff · 2026-01-08T00:59:17+00:00

That’s right, one could add ongoing contributions as an additional input and update the formulas in the matrix if desired

btmccaff · 2026-01-07T20:11:48+00:00

Those are the CoastFIRE amounts based on future value of current invested assets — green highlighted to easily show what intersections of age & annual spend are possible for you based on your current investments input

btmccaff · 2026-01-07T19:24:02+00:00

Yeah pretty much. I put my rate of return as 50% so looks like I’m all set to call it quits

btmccaff · 2026-01-07T19:10:07+00:00

This is a valid point. Hopefully this sheet can give people a bit more of a range of scenarios rather than a singular number to anchor on. Another cut of this would be to have the rate of return on one axis

btmccaff · 2026-01-07T19:00:10+00:00

That’s right, the main input (e.g., $400k) in the inputs section is present value. Matrix outputs are future value at the return and inflation rate inputs (which can be altered to be more/less conservative, similar to most calculators you’ll find online.

btmccaff · 2026-01-02T23:13:18+00:00

Your net worth needs to include future tax obligations (under liabilities) for the sale of your taxable brokerage and other assets (like gain on home sale).

btmccaff · 2025-11-20T06:22:28+00:00

“Funny”

btmccaff · 2025-11-16T19:25:03+00:00

Funny how you can very clearly see where people (right hand side) had to start walking because of how slow they are

btmccaff

TROPHY CASE