Your coast FIRE number, with the state pension counted
Your coast FIRE number is the sum that lets you stop saving for retirement and carry on working. Count the state pension, work until it starts, and the sum shrinks.
Financial Purpose
Working out what enough actually looks like: values-based budgeting, the FI question, and aligning money with what you genuinely want.
Before deciding how to invest or how much to save, it helps to know what the money is for. This section is about that question.
The starting point is financial independence, which is less about never working again and more about having enough that work becomes a choice. That piece covers what it means in practice. Its companion, on defining your enough number, sits in Investing & Wealth Building, and the FI calculator puts rough figures on both.
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Our best attempts.
What is financial independence? Not a permanent holiday
Financial independence is a coverage test, not a wealth level: non-work income covers your costs, so work turns optional. Europe changes the maths.