Coast FIRE Blog

IUL vs Roth IRA — both are tax-free at withdrawal. So the comparison comes down to fees and returns alone. Here is what 30 years of the same contributions actually produces.

IUL vs 401k — the numbers side by side. See what 30 years of the same contributions produces in each account, and the one scenario where IUL can legitimately compete.

How much should you have saved by 35? A specific number — not a salary multiple. See the exact target, the savings rate to hit it, and when you can stop.

Federal Reserve data shows the top 25% of US households have already crossed their Coast FIRE threshold. Full breakdown by age, state, and income level.

No single FIRE calculator is best — five different problems need five different tools. Find which one matches your stage of financial independence.

Exact FIRE savings targets for ages 25 to 55. See whether your portfolio puts you on track — and what to do if the gap is larger than you expected.

Yes — but the answer depends on your savings rate, not salary. See how much you need, how long it takes, and how to calculate your early retirement date.

Coast FIRE and Barista FIRE solve different problems. Learn which threshold you can hit first — and what changes when you get there.

Reaching Coast FIRE is a math problem. Here's the exact 4-step process: find your number, close the gap, cross the threshold, and stop grinding.

Exact Coast FIRE numbers by age 25, 30, 35, 40, 45, and 50. See how much you need invested today to never save for retirement again. Updated tables.

Coast FIRE means your portfolio grows to fund retirement with no more contributions. Learn the meaning, formula, and how to calculate your number.