Coast FIRE means investing enough early that compound growth alone carries your portfolio to your retirement target, even if you never add another dollar.

The math is encouraging: at a 7 percent return, roughly 90,000 dollars at age 30 grows to about one million by 65 without further contributions.

Your Coast FIRE number depends on your retirement target, your assumed return, and the years until retirement, and conservative return assumptions make it safer.

Once you hit the number, you only need to cover living costs, freeing you to take lower-paying but more satisfying work.

Coast FIRE rewards starting early above all, and even a modest continued savings habit after coasting adds a valuable safety buffer.