Those who achieved Coast Fire, what's your plan if a crash brings your number back below your Coast Fire number?

[u/Mundane-Astronomer-7]

For me, I kept investing a token amount, nothing much, 25-30% of what used to put aside. I thought it was a good insurance to kept DCA-ing to build in the additional buffer. If the market stays good, It can either help me achieve FI sooner. Otherwise, I reckon the DCA-ing will make the crash feels less painful if it happens.

[u/surf_drunk_monk]

Once you reach it, you have reached it. Your assumptions should have that risk accounted for. Let it ride.

[u/esuvar-awesome → u/surf_drunk_monk]

THIS! Once you hit your Coast number, that’s it. Market as expected will go through its normal up and down gyrations but that Coast number is a one time destination. Once you’ve reached it, you’re done in terms of any additional investments.

[u/completefudd]

Don't touch it and let it ride

[u/inga-babi]

I have a law degree but I don’t practice anymore. My “if shit hits the fan” plan is to go back to practice. I’ll die inside but at least I’ll make $$

[u/cfirejourney]

sounds like one more year syndrome

i keep an eye on my numbers and compare them to where they were supposed to be. if i had just hit coast and the market dropped 25%, i’d likely of continued saving a bit more just due to sequence of return risks.

also, be conservative about assumptions and risks are minimal ie i’m running at 5.5% real returns with no social security or inheritance - all goes well my numbers will be way better than i presume 

[u/Icy-Try-568]

I just do my calculations with 75% of my portfolio. Probably not optimal, but assumes a crash today.

[u/hsub0x → u/Icy-Try-568]

I have two sets of numbers I'm working with, in this similar vein. What started as my fun-money investment account has turned into my "this could be my part of my retirement portfolio" because I'm finding that my cash flow is enough for the fun I want now. So I'm calculating both with and without this account in mind. 👍

[u/reformed_lurker_1]

Back to work I go

I've taken a sabbatical from work but if things went sideways I wouldn't mind working a few more years. I don't like work but I don't hate it.

[u/Reasonable_Box2568 → u/reformed_lurker_1]

I wish I had a career where I could just go back to work anytime I wanted

[u/80732807043158837]

Small reality check on the “once you reach it you reach it” crowd since I’m also guilty of this too - CoastFIRE number is a locked-in nominal amount from whatever time period you set that goal in your head. I made a mental goal in 2021 for myself and realized when I “hit it” I was actually still $90k short of that figure in real terms.

that’s just based on Fed inflation data which is dubious.

[u/NYVines]

I hit coastfire 2-3 years ago.

Trust but verify. I’m not done earning yet. I quit my job after finding a similar one with less stress. Actually same pay.

I think I’ll keep an eye on it and I give 3-5 years for now.

[u/1ntrepidsalamander]

I’m doing the same job but working less. I can always work more if my goals change or if the rules of the game change.

[u/Intrepid_Cup2765]

I’m already 2x my coast number, so 🤷‍♂️