Honestly, I've been reading more about Coast FIRE lately, and while the concept is cool—saving enough early so your investments grow without further input—it makes me wonder if it's even doable anymore. With inflation, unstable job markets, and crazy rent prices, I just don’t know how realistic it is to hit that "coast point" in your 30s or 40s. Has anyone actually tried this or run the numbers recently?

Yeah, I hear you. It’s definitely not as straightforward as it might’ve been a decade ago, especially in places where the cost of living keeps skyrocketing. I started seriously considering Coast FIRE two years ago when I got tired of constantly stressing about saving every extra dollar. What helped was running my numbers through this tool backofnapkin.co https://backofnapkin.co/personal-finance-calculators/coast-fire/. It gave me a clearer view of how much I needed to save now to let compound interest do its thing later. But man, the assumptions matter so much—like expected return, inflation, retirement age, etc. I’m in a lower-cost area now, and even with a moderate income, I realized I’m a lot closer than I thought. The trick is being realistic about spending in retirement and having some backup plans. I wouldn’t call it “easy,” but for some folks, it’s more reachable than full FIRE.

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