BiggerPockets Money Podcast · Wednesday, July 15, 2026
Scott Trench suggests that Coast FI is particularly beneficial for individuals with young children, as the demanding nature of early parenthood can make aggressive savings strategies less appealing. He posits that Coast FI can serve as a more attainable intermediate goal, providing a breather before resuming the pursuit of full financial independence.
“And I'll also call out that at 35 now with two kids, those activities are very unappealing.”
“And coastfire might be a great proxy target to, you know, just take the pressure off.”
“Like, hey, we don't need to like race towards true and lasting, two and a half million permanently sustainable financial independence with our young kids. We can just be like, are we on track to get to coastfire? Pretty soon or are we there? We can take a breather.”