A retirement shortcut is spreading through personal finance forums and social media feeds, and it comes with a bold promise: work out one number, and you will know the exact moment you can stop saving for retirement. Its followers call it 'Coast FI'. Financial advisers are less convinced.
The idea sits within the wider FIRE movement, short for Financial Independence, Retire Early. Where traditional FIRE asks people to save hard enough to quit work for good, Coast FI sets a gentler target. Reach a certain figure, its proponents say, and compound growth alone will carry your pot to a full retirement fund by 65 or 67, even if you never add another penny.
