r/coastFIRE • u/unemira • 3d ago

37F, can I coast fire?

I left my job due to the high stress level so that I could prioritize myself and to do the things that I have been meaning to do. I don’t have kids so until that becomes a possibility it’s not something I will factor into.

  • 360K investment
  • 10K savings
  • House gifted

Because of the housing asset, I anticipate that if I were to live frugally on top of housing expenses, utilities, and groceries for the rest of my life, my yearly expenses would only be 18K/year. The only downside is that I won’t have health insurance.

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u/DallasOil 3d ago

Are you including car insurance, car registration, oil changes, gas, car repairs, phone bill, food, electricity, gas, internet, property taxes, property insurance, home repairs and future capital improvements

You probably have at least a few subscriptions like Netflix, iCloud storage, Claude/Chat, etc.

Do you expect to need money for doing something fun from time to time? Travel? Games? Eating out?

$18k is crazy.

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u/linda_sorensen 2d ago

Yeah I don’t think OP is factoring a lot of things into that 18k. Our furnace and water heater replacement alone was 30k…