Calculate when you can stop saving and let your investments grow on autopilot to reach financial independence.
You need $223k more
To reach Coast FIRE by age 45, you need to save approximately:
With a 30+ year retirement horizon, protecting purchasing power is critical. Gold has historically maintained value through inflationary periods.
A market crash early in retirement can devastate your plan. Gold often moves inversely to stocks, providing a hedge.
Most FIRE portfolios are heavily weighted in stocks and bonds. Physical gold adds true diversification beyond paper assets.
FIRE investors protect their nest egg from inflation with Gold IRAs. Unlike paper assets, gold maintains purchasing power over decades.
Coast FIRE (Financial Independence Retire Early) is when you've saved enough that your investments will grow to your full FIRE number by retirement age, even if you never save another dollar. You've done the heavy lifting and can now "coast" to retirement.
At Coast FIRE, you still need to cover your living expenses through work, but you're free from the pressure of maximizing retirement contributions. Many use this phase to pursue lower-stress jobs, part-time work, or passion projects.
Where your FIRE Number is typically your annual expenses multiplied by 25 (based on the 4% safe withdrawal rate).
For example, if you need $1 million at age 65 and you're currently 45 with an expected 7% return, your Coast FIRE number would be approximately $258,000. Once you reach that amount, you can stop saving and it will grow to $1 million in 20 years.
While your investments compound, gold can add stability and protect against market downturns.