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CoastFIRE Calculator
Here is a great tool I used to see where I stood with my retirement, and it helped give me confidence I was ready to make a change. I haven't found a better one yet, but if you've got a calculator you like better, by all means please post it. https://walletburst.com/tools/coast-fire-calc/
Have you ever felt like your life looks good on the outside, but something still feels missing?
Sometimes we build a stable life, follow the expected path, and do what we’re supposed to do—only to realize we might want something different. Making a change can feel overwhelming, especially when you’re not sure what comes next. So I’m curious: If you could make one meaningful change in your life right now, what would it be? Would you explore a new career, make more time for yourself, try something creative, or simply figure out what you really want next? No need to have it all figured out. Sometimes talking about it is the first step.
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CoastFIRE Fridays - Budget Analysis #2 :
This week's person has the numbers. The question is whether they have permission to actually use them. The person: 30, single, no kids. Senior SWE at a Fortune 500 earning $180k in Boston. Deeply burned out, managing some mental health conditions, and running on fumes. The numbers: - Retirement accounts: $359k - Taxable brokerage: $72k - Cash: $56k - Student loans: -$10k - Net worth: ~$476k - Current expenses: $60k/year - The plan: Move to Southeast Asia, drop expenses dramatically, and pick up light consulting work — maybe 5 to 20 hours a week — while leaving the portfolio untouched to grow. The worry: AI disruption in tech makes stepping back feel risky. What if they can't get back in? My take: The Coast FIRE math is solid. $359k at 30 with 30+ years of growth is doing a lot of work already. And if living expenses drop to $25-35k in SEA, they barely need to earn anything to make it work. The AI concern is real but worth flipping around — if the industry is shifting anyway, burning out in a stack-ranking culture for two more years might not be the protection they think it is. Sometimes the spreadsheet says go before the person feels ready. Over to you: Has burnout ever been the thing that finally pushed you to make a move? Was the career risk as scary as you thought it would be?
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Drop Your Wins Here 🎉
Maybe you finally ran your Coast FIRE number for the first time. Maybe you had the conversation with your partner you'd been putting off. Maybe you just admitted to yourself that you're unhappy — which is actually a pretty big deal. This is the place to put it. We spend a lot of time in our heads with this stuff. Sometimes you just need to say it out loud to make it real. What's your win this week?
The Guilt Nobody Warned Me About
Leaving a well-paying job should feel like a win. Sometimes it does. But a lot of people hit something unexpected: guilt. For the career you spent years building. For even leaving at all when others would love to have that job. It's a weird thing to carry when you're supposed to be relieved. The guilt usually means something though. It points to what you actually cared about, the people, the work you did, etc. And it fades, but it's worth sitting with rather than just pushing past it.
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