你是否已经存够，可以“滑行”了？
Coast FIRE 是指你已投资的储蓄将自行增长到足够全额退休的那一刻——无需再投入。达到后，你只需覆盖当下的开销。
Last updated: June 2026
Coast FIRE is the point at which your existing invested savings, left completely untouched, will compound on their own into a full retirement nest egg by a target age — meaning you no longer need to add another dollar to reach financial independence, though you still need income to cover today's living costs until then.
How it's calculated
The math works backward from your FIRE number using the compound growth formula: Coast number = FIRE number ÷ (1 + r)^n, where r is your expected annual real return and n is the number of years between now and your target retirement age. For example, if your FIRE number is $1,000,000, you're 35, plan to retire at 65 (n=30), and expect a 6% real return, your coast number today is roughly $1,000,000 ÷ 1.06^30 ≈ $174,000.
Why it matters
Coast FIRE reframes the goal: once you hit the coast number, work becomes optional-intensity rather than mandatory. Many people use it to justify a lower-stress job, a move to nonprofit or public-sector work, or simply stepping back from overtime — because retirement is now "on autopilot" regardless of future contributions, so the pressure shifts to covering current expenses rather than building more nest egg.
Common pitfalls
The calculation is highly sensitive to the assumed return rate and time horizon — a 1-2 percentage point change in expected real return swings the coast number substantially given the exponent. It also assumes truly hands-off investing (no further withdrawals) and doesn't account for sequence-of-returns risk in the intervening years, a market crash early in the coast period can meaningfully delay things even if the long-run average return assumption holds.