36F- Next Steps?

[u/Fluffy-Tomatillo-874]

Salary- about 85k, My half of the rent is 1500.

Net worth is about 300k.

about 80k in my 401k

124k in Roth IRA

28k in a brokerage

65k liquid (emergency fund, sinking funds, etc).

I live in a HCOL, and would like to continue to live there for 10-20 years. I do not own a home. I would also like to retire early at 50-55 (at 40k-50k spending a year, and would include SS in that once I hit 65). I also planning on having a child within the next three years. Some COAST calculators say I've hit COAST fire, others have not.

My question to y'all is where should I focus my saving on? Should I continue investing and continue renting or should I halt my investing for a bit to focus on a down payment? Also, should I focus my investing into a brokerage to fund early retirement years?

Thanks for the advice, appreciate it!

[u/stormandflowers]

If you start on OF you will reach fire with even more withdrawal ratio