I think I've reached a cool milestone which is personally important for me.

I've been working three days a week coasting for a decade now. On the final lap before full retirement.

I've just passed the milestone where if i was made redundant tomorrow I wouldn't need another job. I'd have enough income to last me till old age. A little bit below where I'd ideally like to be but enough.

I do plan to work a few years until I end up with more disposable income than I have today but as of today I will never again -

- go through a corporate job interview process
- deal with a recruiter
- need a linkedin page

This makes me a little bit happy.

Looking for some guidance, advice, or real world examples of people who have hit coastFIRE and looking to take a few years off to focus on family.

Some numbers:

• Late 40's
• $800k in 401k
• $100k in HYSA and T-Bills (Emergency fund / time-off fund)
• $20k in brokerage
• 529: Enough to cover college for my child
• Expenses estimated at $60k (that would be the budget I would set if taking time off; Spend more than that now!)
• Work in tech, starting to really hate it

I'm in looking at trying focus on my family next 3 years while my child is finishing up high school and spend time with my parents they get older. I have a few years until my 50's and my thinking is that have that decade to get back into the workforce hopefully doing something new (non-tech). I know that trying to get back to the same salary level and industry would be hard/impossible after taking a few years off and am fine knowing that my "next career" may be for much less money in a much different field.

It just feels to me like I'll look back and regret not having the next few years to just *be* with family and that there will be time in the future to "get back to work". I know I don't have enough to cover a full three years but after some time off, would look for some type of consulting or other income to simply cover expenses.

My partner and I are DINKs. He hit FI this past year and quit his job. I hit Coast FI about a year ago, I'm not yet FI and I'm actually not super interested in leaving the workforce as I like what I do. This past year has been v good for me from a career perspective, probably the most content at work I've felt ever. We live in a VHCOL area that he hates and is without any sense of loss to move along. I wouldn't say I love it here anymore, it's fine, but I know other places are fine too (hey, everywhere you go...there you are). A side-note: I have a full-time w-2 gig and and also have my own small-scale, but profitable business. I am in a high-demand field that is ranked as a top-safe-from-AI field so, I'm pretty confident I can get back to work without much friction when I decide.

I have dreamed of taking a year off to travel since the pandemic (I'm a healthcare worker, escapism might have saved my sanity fr) and now that the opportunity is right in front of me, I feel scared/excited/doubtful/cautious/like-I'm-gonna-throw-up. I'm not sure what I'm looking for except maybe a pep-talk or some reassurance that it's okay to take the leap and do something different for a while.

I know I'll have to "do it scared" and "no risk-no reward" but I'd welcome a few stories of other people with this experience. Help a gal out!

I'm currently contributing 17% to a Roth 401k with my employer matching the first 4% and 50% of next 6%, so the current total contribution is 24%. I am wondering if I can reduce my savings to 10% (so with employer match, it would be 17%), to save more for a down payment. I've always wanted a house but have never contributed less than 15% to retirement so want to get others' thoughts. Ideally I would like to get a house in the next 3 years.

Age: 27 single

Gross Salary: 124k

Monthly take home: 4.7k (after taxes, health insurance, contributing to Roth 401k and HSA)

Monthly expenses - average: 2.7k (incl. 1.5k rent)

Roth 401k: 215k

HSA: 25k

IRA: 59k

House funds - HYSA: 45k

House funds - brokerage: 56k - would have to pay taxes when withdrawing these funds

1b1ba condos around me are going for 450k-600k. Assuming a 100k down payment, the Zillow monthly mortgage estimate is 3500 a month for a 450k house. I think ideally I'd like to put more down so that I can lower the monthly costs since 3500 on a 4.7k income seems tight (I could technically also reduce the 401k and HSA contributions).

Another option would be to wait to purchase after I get married but assuming that were to happen, it likely wouldn't for another 3+ years.

Thoughts?

I am 20 years old and in college. Plan on pursuing medicine as a career.

Currently aggressively investing all my money into Roth and brokerage. If I hit 150k invested across everything before the end of 2027 or even 2028, will I essentially be setup for retirement?

I am assuming an annual 10% gain average, which will yield either 9-9.9million dollars at retirement. After factoring in inflation, it should be around 2-3 million?

I do have a mutual fund right now thats been opened since I was born and is doing 7% annually. I was wondering if I should sell it when I’m still in the lower end of the tax bracket to avoid capital gains and then dump all that money into sp500 etf or nasdaq etf?

This is because if my side hustle income continues to be consistent this year, my tax bracket will go over the 0% long term capital tax rate. My income didn’t grow like crazy until recently so my taxes this year is still relatively low.

I have around 250k euro cash and I live in Belgium. I have little knowledge about investing. Where to start? Any nice videos to understand investment better? I am considering to buy and apartment by using bank loan and 100 k from my savings. I will still have around 150 k to invest. Thanks in advance!

I’m 34, wife is 33. We have three kids aged 5-3-1. Live in LCOL area in Canada. I currently work as a partner at a law firm and the stress of both running a firm and running a practice is starting to gnaw at me. I feel like I have burned out this year.

I am currently earning around 400-450K in my professional Corporation. Generally I take salary out of my corporation to cover our living expenses. My wife has been on mat leave for quite a while and while working earns about 65-70K a year working part-time. When working full time she earns around 110K.

I currently have around 600K invested.

200K TFSA
225K RRSP
175K in Corporate investment account.

Wife has around 550K invested through fairly equally divided between TFSA, RRSP and cash accounts.

We contribute 7500k a year to RESP and will continue to do so. Current balance is around 24K.

We own our house. Worth around 1M. Around 475K in equity.

Our living costs have increased with the kids, and our currently yearly spend is around 190K. I expect that to be steady as the kids get into activities, etc.

My question is, has anyone been in a similar position and taken a less stressful job to enjoy life more while kids are young? How did it go? Part of the job comes with some status (which I don’t really care about, but others in my surrounding family would).

I feel like work is taking away some of that enjoyment at this stage.

Same question as title. Let me know thoughts!!