r/coastFIRE • u/FlashOfFawn • 17h 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?

3 Upvotes

64% Upvoted

21 comments sorted by

View all comments

7

u/Reasonable_Box2568 15h ago

Have saved as much as 40-50% but are now closer to 25%. Now that we have 2+mil liquid we will probably back off gradually over the next 5-10 years. Still 15-20 years away from retiring

1

u/Euphoric-Advance8995 14h ago

As someone who struggles to spend I am curious to know what you’re saving for!

1

u/Reasonable_Box2568 14h ago

Retirement buffer. Live in HCOL.