Coast FIRE is not retiring now. It means current retirement assets may grow to the target while earned income covers current life. Use this U.S. threshold, benefits audit, and six-part readiness test.
A 0.4 percentage-point difference in ETF costs can compound for decades. This article shows U.S. households how to model 0.1% vs 0.5% expense ratios inside a 20-year FIRE plan.