u/1cenine

I think these guys are and probably always will be underrated, new album is one of the best in a 20 year discography of solid albums. Enjoy!

I’m concerned with this confusion.

Coastfire = no more contributions explicitly necessary. Future is locked in but present is not - still imperative to earn an income to pay current bills.

That MAY involve a change or downshift. Easier or more fun jobs that pay less, that cover bills but may not leave enough to invest. Pursuing a business or passion (I just did this myself - I’m trying very hard at it and expect to earn well, but the flexibility and runway to take a chance on it in the first place is much more easily afforded by being past Coast number). Or maybe it’s just maintaining your current job effortfully but choosing NOT to over-achieve and “climb” in favor of just keeping the current job, title, comp, responsibilities indefinitely. All of these involve “trying.” The math does not work if you are not employee gainfully enough to ignore your investments. If you JUST hit Coast then your time horizon for this might be decades.

Coastfire =/= phoning it in and doing the bare minimum at work. This is essentially quiet quitting. If your work fires you, your plan might break. By definition you need to earn at least enough to pay bills for likely many more years, and losing your job would not be conducive to that.

To the 24 year old who just posted saying you hit 300-something thousand and now plan to do the bare minimum until they PIP for fire you (and everyone who says things like this on this sub): amazing job getting to such a number so young. This does not entitle you to suddenly doing a shit job and risking that you stop earning income anytime soon.

You’re “coasting” on investment contributions (yes you will probably have 5-10M around traditional retirement age). You MUST stay consistently gainfully employed enough to cover your lifestyle expenses for those 30-40 years. Becoming dead weight at work most likely won’t last that long.