DiscoverBiggerPockets Money PodcastHow to Reach Coast FIRE (The Relaxed Way to Retire!)
How to Reach Coast FIRE (The Relaxed Way to Retire!)

How to Reach Coast FIRE (The Relaxed Way to Retire!)

Update: 2025-08-05
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Tired of the extreme saving grind? What if there was a way to front-load your retirement savings and then "coast" to financial independence without the stress? In this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench break down Coast FI - the strategy that lets you stop aggressive saving in your 30s while still retiring comfortably at 65.


Coast FI isn't about retiring early - it's about retiring the anxiety around retirement savings. Once you hit your Coast FI number, compound interest does the heavy lifting while you focus on living your life. This approach offers the perfect middle ground between traditional retirement planning and extreme FIRE strategies.


This Episode Will Cover:



  • How to calculate your personal Coast FI number

  • Investment strategies that maximize compound growth

  • The psychological freedom that comes with hitting Coast FI

  • Real examples of Coast FI timelines and scenarios

  • Why this might be the perfect FIRE strategy for most people


And SO much more!




00:38 What is Coast FIRE


02:16 How to Achieve Coast FI


05:56 Calculate Your Coast FI Number


07:54 Coast Fire by Age


09:21 Passive Income and Coast Fire


19:52 Investment Strategies for Coast Fire


22:40 Investment Order of Operations


28:15 Connect with Scott and Mindy

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How to Reach Coast FIRE (The Relaxed Way to Retire!)

How to Reach Coast FIRE (The Relaxed Way to Retire!)

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