BiggerPockets Money Podcast · Wednesday, September 23, 2026
Scott Trench discusses the concept of 'lifestyle inflation' and how he is incorporating it into his 'Coast FI' plan. He explains that 'Coast FI' aims to reach a point where future investments will grow sufficiently on their own to fund retirement, and that allowing for lifestyle inflation is a deliberate part of his strategy.
“I am baking lifestyle inflation into my coast FI plan. I want to cover that here on this episode.”
“So the core idea of Coast FI is that you've saved enough money that, by the time you reach traditional retirement age, your investments will have grown enough to fund your retirement without you needing to save another dollar.”
“I want to cover lifestyle inflation in my own plan, and what that looks like. This is where I think a lot of people get this wrong.”