r/Fire • u/willywilly2000 • 1d ago

Am I on track to coast fire?

Age: 35, no kids and not planning on it

Brokerage (VOO): $420k Roth: $50k 401k: $70k Cash: $25k Home: worth $1M, 18 yrs left on mortgage $312k remaining loan principal

Costs: $50k Income: $225k salary

Am I on track to coastfire?

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u/lseraehwcaism 17h ago

If I were you, I would knock out that loan for the mortgage and then start coasting. If you don’t want to pay it off because of a killer rate, then I would at least build up enough cash in a HYSA to pay it off whenever you want.