BiggerPockets Money Podcast · Wednesday, July 15, 2026
Evan Lawler defines Coast Financial Independence (FI) as a hybrid approach where individuals front-load their retirement investing to a point where investments are projected to grow sufficiently by retirement age. This strategy allows them to 'coast' in their later years, covering day-to-day expenses without further investment.
“Yeah, coastfire, I like to think of it kind of a hybrid form of financial independence, because it's really FI, not RE. So financial independence but not retiring early.”
“It's front-loading your retirement investing such that you reach a point that your investments are projected to grow, such that when you reach retirement age, your portfolio should be able to sustain you in retirement.”
“So you actually spend a lot of your time coasting to retirement where you just cover your day-to-day expenses, but no longer need to invest towards retirement.”