I've Reached Coast FIRE ... Now What Do I Do For Work?

Marriage Kids and Money: Personal Finance for Families

Andy Hill

Investing, Business, Kids & Family, Parenting

4.9 • 604 Ratings

🗓️ 3 June 2026

⏱️ 42 minutes

🔗️ Recording | iTunes | RSS

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Summary

What happens after you reach Coast FIRE? For years, you save aggressively, maximize retirement accounts, and build wealth with one goal in mind: hitting your investment goal. But once you arrive at Coast FIRE—Coast to Financial Independence and Relax Early—a new question emerges: Now what? In this episode, we answer a thoughtful listener question from Richard, who has built a seven-figure net worth with his wife but feels stuck in a sales career that’s wearing him down. We discuss how to actually act on Coast FIRE, the four career paths available after reaching the milestone, and how to use the financial strength you’ve built to create more freedom and margin in your life today. Then, we welcome back retirement expert Jesse Cramer to discuss an important and often-overlooked topic: Social Security benefits after divorce. We cover how spousal and survivor benefits work, eligibility requirements, common misconceptions, and what divorced spouses need to know when planning for retirement. What Coast FIRE really means beyond the calculators Four career paths to consider after reaching Coast FIRE Why more money isn't always the answer How to use your wealth to create more time freedom Social Security spousal benefits explained Social Security survivor benefits explained Divorce and Social Security eligibility rules Common Social Security claiming strategies for married couples Retirement planning considerations for divorced spouses RESOURCES Own Your Time: https://marriagekidsandmoney.com/book Coast FIRE Calculator: https://marriagekidsandmoney.com/coast-fire-calculator Personal Finance for Long-Term Investors Podcast: https://bestinterest.blog/podcast Leave a Voicemail: https://marriagekidsandmoney.com/voicemail Instagram: @marriagekidsandmoney LinkedIn: @AndyHillMKM CREDITS Host: Andy Hill Editor: Johnny Sohl Podcast Support: Michelle Ahmed Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcript

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0:00.0	This episode is sponsored by my new book, Own Your Time. I wrote it for parents who are doing
0:04.4	everything right on paper, but still feel stretched thin. Own your time gives you a clear path
0:09.6	to take back control of your money, your work, and your family time. Find it on Amazon or
0:14.6	Barnes & Noble. Own Your Time by Andy Hill. Sometimes just knowing that it's there is enough to help you make a bold move.
0:23.8	And that's really what Coast Fire is about, not just building wealth, but using that wealth
0:28.4	to design a better life. This show is dedicated to helping you, strengthen your family tree, and live financially free.
0:41.5	Welcome to the Marriage Kids and Money podcast, everybody.
0:43.6	This is Andy Hill.
0:44.9	And today we're going to do two things.
0:47.3	First, we'll be reviewing a question from Richard about achieving Coast Fire and then deciding what to do for work next. Second, we'll be answering
0:56.3	a question about Social Security rules in marriage and divorce. Our friend Jesse Kramer from the
1:03.2	popular personal finance for long-term investors podcast is here to help us out once again. All right,
1:10.0	let's jump into today's show.
1:13.7	This question comes in from Richard, and Richard writes, hello, in 2015, I got my first real job making 28K.
1:22.6	My wife and I were both savers, and people told us to start listening to financial podcasts.
1:28.3	That really helped us to focus on maximizing retirement and working toward financial independence.
1:34.0	Over the past 11 years, I've grown my income and now work in sales, making between 130K
1:39.6	and 150K, depending on performance.
1:42.6	My wife and I have saved aggressively. We now have about $750,000 in
1:46.8	retirement accounts, 35K in an HSA, $130,000 in a brokerage account, and $50,000 in cash. We also own a
1:55.8	home worth about a $750,000 with $250,000 left on the mortgage. I like my job, but the sales life is wearing me down.
2:05.9	The Coast Fire calculators say we've done well and could stop investing. We've allowed some
	...

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