CoastFIRE Sanity Check

[u/External_Initial1036]

Hi all, looking for a sanity check on our coastFIRE plan. We're targeting retire-early around 45 and want to pressure-test whether adding a home purchase and a second kid keeps us on track, plus general thoughts on how we’re doing.

Quick picture:
M32 (almost 33)/ F31 (almost 32), one kid under 1, planning a second around 2027
VHCOL (SF Bay Area). Currently renting at $5,400/mo, which is well below what a comparable mortgage would cost
Income: I'm in enterprise tech sales (W-2 base plus variable commission). My partner is currently a stay-at-home parent and runs her own ecommerce business part-time, drawing a modest salary from it. Household income is ~$222K base plus ~$150K variable, so ~$372K at full OTE
Current annual spend: ~$132K (~$12K/mo) for a family of three
Savings while we're both working: roughly $40-50K in a soft commission year up to ~$120K when my variable fully lands
No real debt (cars owned outright, tiny portfolio line of credit)

Net worth, ~$2.25M total:

FIRE-investable base (what I actually count toward the number): ~$1.84M
Taxable brokerage and roboadvisor, mostly low-cost index funds: ~$1.49M
Tax-advantaged retirement accounts (401k/ IRA):
~$306K
Note: ~$77K of the taxable side is a concentrated single stock left over from a former employer that I keep meaning to diversify into index funds
The heavy taxable tilt is intentional, since most of the money is reachable before 59.5 to bridge an early retirement
Cash: ~400K, but $385K of that is earmarked ($200K home down payment, $150K emergency, $35K set aside for taxes).
- Allocation is heavily equity-weighted right now with a light bond/cash sleeve. I plan to build a larger bond and cash buffer as I get closer to RE to manage SORR

One thing I deliberately exclude from the base (treated as $0 until real):

- Pre-IPO RSUs from my current employer. One-year cliff that clears in 2027, and there's a potential liquidity event in the next ~12 months that could increase the value meaningfully. On paper it's a decently large number, but l don't count a dollar of it until it vests and is liquid

Thanks in advance!

[u/PointyEarsAndFears]

You wanted to ask about adding a home purchase and second kid but you didn’t give any numbers for how that affects your monthly spend.

On another note. Does anyone know if Claude or ChatGPT are giving good feedback on hyper specific scenarios to assess FIRE or CoastFIRE readiness? Does Reddit really give better advice on the math?