Coast FIRE: How Much You Need by Age (2026)

coast fire calculation showing required investment amount by age for early retirement

A 30-year-old with $94,000 invested today — and zero additional contributions — would reach $1 million by age 65. No 401(k) match needed. No aggressive savings rate. No side hustles. Just compound growth doing what it does over 35 years. That’s coast FIRE in one sentence. Most people hear “financial independence” and picture decades of … Read more

FIRE Savings Rate vs Income: What Matters More? (2026)

fire strategy comparison showing impact of savings rate versus income on early retirement

One number should change how you think about your FIRE savings rate: doubling your income — from $60K to $120K — while keeping the same 25% savings rate doesn’t save you a single year toward FIRE. Read that again. You earn twice as much. You save twice as many dollars. And you reach financial independence … Read more