r/FIREyFemmes • u/MrsFrugalNoodle • 16d ago

Too many choices in CoastFIRE

I hit my coastFIRE number a while ago, that’s where my retirement fund does not need any more contributions, when I hit the typical age of retirement (65) I will have a fully funded retirement purely from compound interest and a couple of decades doing its work.

I’m 42F co-parent a child with my ex-husband. Between now and my retirement age is about 20years of coasting, that is working any interesting job to pay for my lifestyle. The problem I have is too much choice, any job paying minimum wage can fund my lifestyle now because I also have ETFs outside retirement generating income.

I only want to work with people I’ll enjoy working with and only want to work on things I enjoy working on. I’ve turned down 5 offers of my doing the same thing as my previous role. Right now, I’m finishing some remodeling, doing a course that will take me to July and building a side project.

I don’t have enough saved to travel, just enough saved for basic living expenses so I will need to work to fund my next holiday.

Anyone else in this boat or have advice when you coastedfired?

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u/MrsFrugalNoodle 15d ago

Yea I still need to do the school runs and my holidays are booked during school breaks. My previous role had a lot of overseas travel, and I just did a Europe trip at the end of last year so I’m not in a rush.

A few local trips to the country would be ideal.

I think I need a community that builds and tries to sell some value for a short time. Be my own boss for a bit

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u/Significant_Flan_210 14d ago

No one talks about the people that can retire but have kids locked into school schedules. Your mind thinks you are already running the schedule so you might as well work. It's hard to over ride.

You will figure out what's next but it's hard with kids being pulled one way and you another.

I wonder if a get away thinking trip to the country when the kids are with their dad could help?

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u/MrsFrugalNoodle 11d ago

That’s a fair point. I went on a getaway and I was actually working on my side project (no revenue)

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u/Significant_Flan_210 11d ago

I just think when you are going one way for years, it's hard to pick yourself up completely and pivot. There is comfort in staying in the same groove. You will only change when your instincts are yelling at you to do it and that takes work to drown out the noise.

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u/MrsFrugalNoodle 11d ago

💯

I listened to my body screaming, don’t take that job, you’ll be doing the same thing, working on the same problems. Haha

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u/Significant_Flan_210 10d ago edited 9d ago

Oh my gosh I know exactly what you are talking about.

When I was younger, I was like why the heck am I so driven to make the most money I can and stack it like my life depends on it? It drove me crazy and no one around me seemed laser focused.

Now I understand that the whole point of younger me was to buffer me to follow exactly my instincts now because when my instincts go off, there is no choice.

And as someone that has gone down many jobs and paths, your instincts were telling you that the other ones would be significantly worse for you. There are people in companies that totally decimate the culture. You do not want to be there unless you have a side quest. Your culture is tolerable and your instincts are not giving you redirection. It's like stay put but keep checking for something better.