How to Reach Coast FIRE by Age 30, 40 and 50

Marriage Kids and Money: Personal Finance for Families

Andy Hill

Investing, Business, Kids & Family, Parenting

4.9 • 604 Ratings

🗓️ 21 January 2026

⏱️ 45 minutes

🔗️ Recording | iTunes | RSS

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Summary

In this episode of the Marriage Kids and Money podcast, we break down Coast FIRE, a financial approach that lets you “coast” to retirement once your investments can grow on their own, without needing to keep pouring money in. We're joined by Mike English, who shares his real-life path to reaching Coast FIRE in his 30s and what that decision changed about his life and priorities. Plus, Calvin joins Andy and hops on the mic for a fun and meaningful conversation about why investing early actually matters. They talk investment strategies, financial independence, and how to think long-term about building wealth that lasts. If you’ve ever wondered whether you’re saving enough, questioned the pressure to grind forever, or thought about what kind of money story you want your kids to grow up with, this episode might shift how you think about the road to financial freedom. Chapters 🎧 00:00 Introduction to Coast Fire 01:15 Understanding Coast Fire by Age 30, 40, and 50 12:08 Interview with Mike English: Achieving Coast Fire 34:04 Good Word with Calvin: Celebrating Financial Literacy Resources and Links 📚 My new book, "Own Your Time" - https://marriagekidsandmoney.com/ownyourtimeamazon Try our FREE Coast FIRE Calculator 📱 https://marriagekidsandmoney.com/calculators/coast-fire/ Sponsors and Additional Resources https://marriagekidsandmoney.com/resources Credits Editor: Johnny Sohl Podcast Artwork: Kayli Johnson Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcript

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0:00.0	AI is incredible. They can teach you how to fry an egg and even write a poem, pirate style.
0:07.0	But it knows nothing about your work. Slackbot is different. It doesn't just know the facts.
0:14.0	It knows your schedule. It can turn a brainstorm into a brief and it doesn't need to be taught.
0:20.0	Because Slackbot isn't just another AI.
0:23.3	It's AI that knows your work as well as you do.
0:26.4	Visit Slack.com forward slash meet Slackbot to learn more.
0:30.9	The goal of this content, the goal of this podcast is to get you thinking more about your
0:36.2	situation and how you can achieve Coastfire.
0:45.1	This show is dedicated to helping you, strengthen your family tree, and live financially
0:49.9	free. Welcome to the Marriage Kids of Money podcast, everybody. This is Andy Hill, and today we are going to do three things. First, we'll be talking about how to achieve Coast Fire by age 30, 40, and 50. These are high level numbers, everybody, that help you understand the Coast Fire concept more easily. We update this content annually so you can see how you're doing on your Coastfire
1:13.0	path this year specifically. Second, we're back with our Coast Fire couple segment. This month
1:19.9	we're featuring Mike English from Colorado. Mike and his wife reached this Coastfire milestone
1:24.4	in their 30s. He's going to share the transparent details of their
1:28.4	Coast Fire journey and how this affects their family path going forward. And last but not least,
1:33.9	my son Calvin is going to be joining me for another good word. With all the not-so-great news out
1:38.5	there, Calvin and I are going to be celebrating some good news. All right, let's jump into today's show.
1:55.0	Coastfire is when you've saved up enough in traditional retirement accounts that you can simply coast to retirement without any further contributions. I love this concept because it allows you to metaphorically check another box on your family financial independence
2:01.7	path.
2:02.6	It allows you to relax more when it comes to your overall financial life.
2:07.5	For example, when you have a three to six month emergency fund, you worry less knowing
2:12.2	that your family is taken care of and you don't have to go into debt to pay for the
2:16.5	emergency. That financial relaxation box
	...

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