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Early Retirement Without a Six-Figure Portfolio
Episode 99 of The Financial Freedom Podcast explores how the 'coast FI' strategy lets you stop saving for retirement early without needing a million-dollar nest egg. Lucas and Luna break down the math behind coast FI, using the example of a 30-year-old who can stop contributing to retirement accounts at age 30 and still retire comfortably at 65, thanks to compound growth. They walk through the numbers: a $50,000 portfolio growing at 7 percent annually over 35 years becomes over $530,000 in today's dollars, enough to fund a lean retirement. They also discuss the assumptions—like…
The skinny
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