Can I Coast FIRE on $100k income? (single)

Sofia has been grinding the savings rate in Minneapolis, and the math just told her she can stop. At 35 with $132,000 in retirement accounts, she's already hit her Coast FIRE number for a 65 retirement.

Yes, you can coast with $132,000 saved and retire at 65 with $6.0M

Here's the counter-intuitive part: if Sofia stops all $19,500 in annual retirement contributions today, the engine still projects a $6.0M net worth at 65, enough to cover 25 years of retirement spending at $4,981 a month in future dollars. That's compounding doing the work she was doing with her paycheck. The $132,000 already saved has enough runway at 35 that every extra dollar she forces into a 401k is optional, not necessary.

With $132,000 in retirement accounts and zero new contributions, the engine projects $6.0M net worth at age 65 on $4,981/mo of retirement spending (≈ $2,052/mo in today’s dollars). You'd free up ~$1,625/mo but give up $1.2M in retirement wealth compared to keeping current contributions.

Coasting assumes markets deliver historical returns. A prolonged downturn early on could derail the math.

Your numbers are different from Sofia's, so run your own age, income, and savings rate through the engine and find out exactly where your Coast number sits.

For educational purposes only, not financial advice.