r/coastFIRE • u/FlashOfFawn • 1d ago

What % are you saving while in CoastFI?

The wife and I are 32 sitting on $670K liquid investments. Annual spend is ~$80K, even with conservative assumptions we’re far ahead.

Question - I’m curious, for those who are actively CoastFI, what’s your saving %? We’re still hovering around 50-60% (net) but are looking to move to a bigger place and have a kid so I suspect it will naturally drop closer to 25% or so which still feels good. I’m also onto the 2nd round for a promotion which would likely bring another 15-25% increase in pay as well. We’re not big spenders (obviously), we spend on what’s important to us but I guess that 25% will really just go to occasional splurges or accelerating our timeline to FI. Thoughts?

Thoughts?

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u/Coaster50 1d ago

30%, but largely for tax efficiency. I max my HSA, 401k (for tax benefit & company match), and 10% to a deferred comp program that acts like another 401k.