Coast FIRE is the point where you have enough invested that — even if you stop contributing today — compound growth will carry you to full retirement by your target age. Find your magic number.
Coast FIRE is a milestone before full FIRE. Once you hit your Coast number, you have enough invested that you can stop making retirement contributions entirely — your money will compound to your full FIRE target by your intended retirement age all on its own.
Formula: Coast FIRE = FIRE Target ÷ (1 + r)^years to retirement
After reaching Coast FIRE, many people shift to covering just their living expenses — taking lower-stress jobs, going part-time, or pursuing passion projects. Your investments do the heavy lifting. This is also called "Barista FIRE" or "Slow FIRE."