Saving
Coast FIRE
When can you stop adding to the portfolio?
Run the existing portfolio forward with contributions set to zero, then attack the assumptions the Coast label tends to hide.
FIRE decisions
Make the next decision. Keep the label in its place.
Each guide answers one question, shows its sources or tool assumptions, and stops where the available evidence stops.
Start with the constraint
Five guides. Five different jobs.
Coast FIRE changes saving. Barista FIRE changes early withdrawals. The healthcare bridge protects coverage between work and Medicare. The drawdown guides separate tax sequencing from account access.
Decision guide
Work and withdrawals
Barista FIRE
Should some earned income stay in the plan?
Measure the withdrawals that temporary income replaces, then decide whether the work preserves the control FI was meant to buy.
Coverage
The healthcare bridge
How will the household stay covered before Medicare?
Map the dated coverage route, enrollment window, full household cost, and fallback before leaving employer insurance.
Taxes and withdrawals
Withdrawal order and taxes
Which account should fund this year's spending?
Build an annual mix from cash need, taxable income, account basis, conversion room, healthcare interactions, and future constraints.
Account access
Account drawdown mechanics
How can retirement accounts fund the early years?
Compare the employer-plan exception, Roth conversion ladders, and SEPP without treating any route as automatically tax-free.