Coast FIRE
The point where your savings could grow, without new contributions, into the amount you need at retirement.
You still work to pay for today, but you no longer need to save for later. That can allow part-time work or a lower-paid job you enjoy more. The coast number falls the earlier you reach it, because compounding has more time.
Tools that use it
Related terms
- FIREFinancial independence, retire early. Saving and investing until your savings can pay for your life, so work becomes optional.
- Barista FIRELeaving full-time work once your savings cover most of your spending, and earning the rest from part-time work.
- Compound interestEarning returns on earlier returns, so growth speeds up over time.
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FIRE basics
Lean, fat, barista, coast: which kind of FIRE fits you
Four ways to reach financial independence, from a CHF 2,500 lean budget to a CHF 7,000 fat one. What each needs in francs and who it suits.