When to coast?

[Jay_Gatsby]

"I'm 37, planning to stop saving heavily at 40 and let compounding do the work while I either dial back work or dial up spending or both.

For others planning similar, how are you analyzing the numbers to decide when and how much you need?"

My analysis is based on how long it will take to hit my fully FI lump sum number. In my situation, if I keep grinding as is I estimate I will hit my number in about 11 years. If I scale back work in a few years and "coast", I estimate I will hit my number in about 14 years. I am leaning heavily toward "coasting", which for me equates to about 500 less hours of work a year but adds an extra 3 years to my FIRE date.

Remember, life's not a race, but rather a journey. While achieving FIRE is important, life should still be lived along the way.