CoastClockResources
Guides to coasting, saving and financial independence
Plain-English explainers, built on sourced research, to go with the Coast Clock Calculator.
What Is FIRE? A Clear Guide to Financial Independence, Retire Early
Where FIRE came from, the research behind the 4% rule, the main variations (Lean, Fat, Barista and Coast FIRE), and the honest caveats.
Read the guide → Guide · 9 min readWhat Is Coast FIRE? How Existing Savings Can Carry You to Retirement
What Coast FIRE means, where the term came from, the math with a worked example, how it compares with Lean, Fat and Barista FIRE, and the risks.
Read the guide → Guide · 9 min readWhat Is a Coast Number? The Amount That Lets You Stop Saving
What the coast number is, how it connects to your coast age, the math with a worked example, how the Coast Clock Calculator finds it, and why it matters.
Read the guide → Guide · 10 min readInflation and Your Coast Number: What Rising Prices Do to the Math
What inflation is, how it erodes purchasing power over decades, the rule of 72 with examples, and how the Coast Clock Calculator's inflation assumption changes your coast number.
Read the guide → Guide · 10 min readSafe Withdrawal Rates and the 4% Rule: What They Mean for Your Coast Number
What a safe withdrawal rate is, where the 4% rule came from and what it assumes, how inflation-adjusted withdrawals and sequence risk work, and how your withdrawal rate changes your coast number.
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