You’re 34, with about $45,000 invested and a baby due. At some balance ahead of you, you could stop saving for retirement completely and still retire comfortably at 67. That balance is your Coast FIRE number, and for a lot of people at your stage it’s around $140,000 in today’s dollars. With steady saving, you’d reach it in your early forties.
The baby changes that date, though not the way most people guess.
