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Is $150k Enough to Coast FIRE at 35?

You are in the ‘Messy Middle’—earning more, but spending more. This tool helps you identify if your nest egg has reached ‘Critical Mass’ or if you need to keep grinding.

Quick Inputs

Age

Retire At

Current Balance

Annual Return

Retirement Spend / Mo

Note: True Coast check: no new contributions. “Return” is inflation-adjusted, and the target uses the 4% rule. For contribution paths and deeper scenarios, use the full calculator.

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See scenario at Age 40 →