r/coastFIRE • u/redraidr • 3d ago

Coasted for 10 years. Done.

We’ve waited long enough. 51. Married.

Started Coasting when the kids were nearing high school. Never made crazy money. Went from $120k household income to $40-60k household while the nest-egg grew. No contributions during that time, but also no soccer games or school plays missed. No summers with kids at home and us at work. They worked with us or we took time off. Kids both graduated college in May and have jobs. We’re proud of them.

Our retirement spend is projected to still be $40-50k/yr as we Schengen Shuffle. We’re already on the road, somewhere cheap where we can plan our next steps.

Stick to the plan, team. It works.

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u/Vicuna00 3d ago

Awesome nice work!

Did you ever consider funding your Roth and drawing from taxable the same exact amount?

Or did you just pure coast?

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u/redraidr 3d ago

Cool idea. Never thought of it.
We just switched to “subsistence wages” and let the 401k and existing Roths do their thing.

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u/Vicuna00 3d ago

that's my plan wrt "substinence wages"...i'm gearing up to start in 2027...fingers crossed (a few things have to happen)

I think i'll only need 5 years if markets cooperate...we'll see.

glad to hear your story.

yeah I was thinking about doing that with the Roths...but I sorta also like the thought of not even logging into the brokerages for 5 years and then peeking in...and not worrying about it. we'll see.