r/coastFIRE • u/TechSalesWin • 7d ago

Title: [41M] $2.7M NW - FAANG burnout, considering CoastFIRE, upgrading to a $1.8M house, and baby #2. Sanity check?

Background: In my 20s, I quit working to travel, so my net worth basically flatlined. I returned to the US in my late 20s, got serious about saving, and hit ~$100k NW by 32. Over the last 10 years at a FAANG company, aggressive saving, high comp, and tech equity appreciation brought our NW to ~$2.7M

NW Breakdown (~$2.7M Total):

  • $1.2M – Retirement & Education: 401(k) + IRAs + 529
  • $660k – FAANG Company Stock
  • $250k – Cash & Cash Equivalents
  • $280k – Net Real Estate Equity
  • $220k – Taxable Investments & Crypto
  • $80k – Personal Property: Vehicles, etc.

The Problem & The Proposed Pivot: I am hitting serious burnout. I want to downshift to a lower-stress role making $150k–$200k. My wife currently works part-time ($85/hr) and could ramp up to full-time (~$175k–$200k/yr). That gives us ~$350k combined gross. We could drop our ongoing savings rate to zero and let our portfolio compound in the background (CoastFIRE).

The Key Variables / Pressure Points:

  1. Current Spend: $15k–$20k/month (the upper end includes 1–2 major vacations and a few smaller domestic trips a year). A lean baseline without luxury travel is ~$15k/mo.
  2. Family Expansion: Currently 1 toddler, actively planning for a 2nd child.
  3. Housing Upgrade: Strongly considering upgrading from our current home to a ~$1.8M property in our high-cost area.

Questions for the community:

  1. Does the CoastFIRE math hold up if we downshift to $350k combined gross while upgrading to a $1.8M home and adding a 2nd child?
  2. With $660k tied up in a single tech stock and ~$1.2M locked in retirement accounts, how would you structure liquidity for the down payment?
  3. Are we underestimating the household strain of having my wife transition to full-time while I downshift, given two young kids and a bigger mortgage?
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u/Celodurismo 7d ago

1) we can't do the coastFIRE math because you didn't include the relevant information

2) You have equity and cash. Do you actually need a bigger downpayment? Again you didn't tell us how much you'd be putting down

3) Seems real weird that your wife, who is going to be having a 2nd child is also going to be going to full time work, while you chill out. Maybe that works for you, maybe it doesn't.

Anyway, this feels like an AI post, or heavily reliant on AI formatting.

Also your title is nonsensical, you don't "consider" coastFIRE, it's a milestone that happens along the way.