BiggerPockets Money Podcast · Wednesday, July 8, 2026
Evan Lawler defines Coast FIRE as a hybrid financial independence strategy where individuals front-load retirement investments. The goal is to reach a point where no further contributions are needed, allowing the existing investments to grow to support retirement. This approach is seen as less daunting than traditional FI for younger individuals.
“Coastfire is kind of a hybrid form of financial independence where you basically front-load your retirement investments to the point where you're projected to have enough, say at age 30, 35, 40 or 50, that you no longer have to contribute to a more traditional retirement age and that money is projected to grow to an amount that using a safe withdrawal rate would sustain you in retirement.”
“I really like the concept of Coastfire, it didn't exist, nobody had invented it yet when my husband and I started on our FI journey.”