How to Reach Coast FIRE by Age 30, 40 and 50

How to Reach Coast FIRE by Age 30, 40 and 50

Author: Andy Hill January 21, 2026 Duration: 45:42
In this episode of the Marriage Kids and Money podcast, we break down Coast FIRE, a financial approach that lets you “coast” to retirement once your investments can grow on their own, without needing to keep pouring money in. We're joined by Mike English, who shares his real-life path to reaching Coast FIRE in his 30s and what that decision changed about his life and priorities. Plus, Calvin joins Andy and hops on the mic for a fun and meaningful conversation about why investing early actually matters. They talk investment strategies, financial independence, and how to think long-term about building wealth that lasts. If you’ve ever wondered whether you’re saving enough, questioned the pressure to grind forever, or thought about what kind of money story you want your kids to grow up with, this episode might shift how you think about the road to financial freedom. Chapters 🎧 00:00 Introduction to Coast Fire 01:15 Understanding Coast Fire by Age 30, 40, and 50 12:08 Interview with Mike English: Achieving Coast Fire 34:04 Good Word with Calvin: Celebrating Financial Literacy Resources and Links 📚 My new book, "Own Your Time" - https://marriagekidsandmoney.com/ownyourtimeamazon Try our FREE Coast FIRE Calculator 📱 https://marriagekidsandmoney.com/calculators/coast-fire/ Sponsors and Additional Resources https://marriagekidsandmoney.com/resources Credits Editor: Johnny Sohl Podcast Artwork: Kayli Johnson Learn more about your ad choices. Visit megaphone.fm/adchoices

Andy Hill brings a refreshingly honest and practical voice to the often stressful conversation about money within a family. In Marriage Kids and Money: Personal Finance for Families, Andy, an award-winning Family Finance Coach, moves beyond generic budgeting advice to tackle the real financial questions that parents and couples face every day. This isn't just about spreadsheets and interest rates; it's about aligning your finances with the life you actually want to live. You'll hear specific strategies for paying off debt, saving for college, investing for the future, and having those crucial money talks with your partner. The goal is to transform financial anxiety into purposeful action, creating not just stability but genuine freedom. Each episode of the podcast feels like a conversation with a knowledgeable friend who understands that financial decisions are deeply personal and intertwined with family goals. Whether you're just starting out or well on your journey, the discussions here provide a roadmap for building security today and considering the legacy you might leave tomorrow. Tune in for relatable stories, actionable tips, and the encouragement needed to make meaningful progress with your money, all with your family's unique vision at the center.
Author: Language: en-us Episodes: 100

Marriage Kids and Money: Personal Finance for Families
Podcast Episodes
I've Reached Coast FIRE ... Now What Do I Do For Work? [not-audio_url] [/not-audio_url]

Duration: 42:28
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 Fi…
Mortgage Free in New Jersey on a $750k Home | Bobby Richardson [not-audio_url] [/not-audio_url]

Duration: 26:23
What would it feel like to never make a mortgage payment again? In this episode, we talk with Bobby Richardson from New Jersey about how he and his wife Alexandra paid off their $242,000 mortgage in just 10 years and bec…
$1.8 Million Net Worth at 34 in Illinois | Ben Johnson [not-audio_url] [/not-audio_url]

Duration: 21:06
Ben Johnson grew his family’s net worth to $1.8 million by age 34 through high income skills, consistent investing, and disciplined saving. In this episode, we discuss how Ben and his wife paid off $80,000 of debt in jus…
I Know I’m Coast FIRE… So Why Can’t I Slow Down? [not-audio_url] [/not-audio_url]

Duration: 33:16
Have you reached Coast FIRE (Coast to Financial Independence and Relax Early)… but still can’t bring yourself to slow down? Today’s listener, Chris, is in that exact spot. At 36 years old with $860,000 invested, two youn…
$1.3 Million Net Worth at 38 in Florida | Abhi Jain [not-audio_url] [/not-audio_url]

Duration: 21:59
Abhi Jain has built a $1.3 million net worth by age 38 through a combination of career growth, side hustles, and real estate investing. In this episode, Abhi shares how he went from a traditional employee mindset to acce…
Coast FIRE with $1M by 35 in Ontario | Liz Enriquez [not-audio_url] [/not-audio_url]

Duration: 34:52
What does it take to reach Coast FIRE by your mid-30s and actually enjoy the freedom that comes with it? In this episode, we sit down with personal finance educator Liz Enriquez from Ambitious Adulting to discuss how she…
When Work Hijacks Your Life: Here’s How to Break Free  | Guy Winch [not-audio_url] [/not-audio_url]

Duration: 26:48
When work starts to take over your life, it can impact more than just your schedule. It can affect your health, relationships, and overall happiness. In this episode, we interview psychologist and bestselling author Guy…
Should You Have a Third Child? How to Think Through the Decision [not-audio_url] [/not-audio_url]

Duration: 35:00
Should you have a third child? And how can you help your kids graduate college debt-free? In this episode, we explore one of life’s most personal decisions: whether to grow your family. We walk through a thoughtful 7-ste…