I've Reached Coast FIRE ... Now What Do I Do For Work?

I've Reached Coast FIRE ... Now What Do I Do For Work?

Author: Andy Hill June 3, 2026 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 Financial Independence and Relax Early—a new question emerges: Now what? In this episode, we answer a thoughtful listener question from Richard, who has built a seven-figure net worth with his wife but feels stuck in a sales career that’s wearing him down. We discuss how to actually act on Coast FIRE, the four career paths available after reaching the milestone, and how to use the financial strength you’ve built to create more freedom and margin in your life today. Then, we welcome back retirement expert Jesse Cramer to discuss an important and often-overlooked topic: Social Security benefits after divorce. We cover how spousal and survivor benefits work, eligibility requirements, common misconceptions, and what divorced spouses need to know when planning for retirement. What Coast FIRE really means beyond the calculators Four career paths to consider after reaching Coast FIRE Why more money isn't always the answer How to use your wealth to create more time freedom Social Security spousal benefits explained Social Security survivor benefits explained Divorce and Social Security eligibility rules Common Social Security claiming strategies for married couples Retirement planning considerations for divorced spouses RESOURCES Own Your Time: https://marriagekidsandmoney.com/book Coast FIRE Calculator: https://marriagekidsandmoney.com/coast-fire-calculator Personal Finance for Long-Term Investors Podcast: https://bestinterest.blog/podcast Leave a Voicemail: https://marriagekidsandmoney.com/voicemail Instagram: @marriagekidsandmoney LinkedIn: @AndyHillMKM CREDITS Host: Andy Hill Editor: Johnny Sohl Podcast Support: Michelle Ahmed 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: 50

Marriage Kids and Money: Personal Finance for Families
Podcast Episodes
Pay Off the Mortgage or Invest? What Should Come First [not-audio_url] [/not-audio_url]

Duration: 39:19
Should you invest your extra money or use it to pay off your mortgage early? In this episode, we tackle that question from Brian, a 35-year-old dad with two kids and an extra $1,000 per month. His ultimate goal isn't sim…
Bread & Wine: The Emotional Roller Coaster of Starting a Business [not-audio_url] [/not-audio_url]

Duration: 37:19
Nicole left her corporate career six weeks ago to launch her own skincare studio. So... was it the right decision? In this Bread & Wine conversation, we pour a glass, get honest about the emotional highs and lows of entr…
After 10 Years, I'm Taking the Summer Off [not-audio_url] [/not-audio_url]

Duration: 2:51
This summer marks 10 years of Marriage Kids and Money. Back in 2016, I launched this podcast with a simple goal: help families build wealth and create more freedom. Over the past decade, we've shared hundreds of conversa…
$2.2 Million Net Worth at 35 in Washington | Emily Egashira [not-audio_url] [/not-audio_url]

Duration: 29:59
Emily Egashira grew her family’s net worth to $2.2 million by age 35. But her story didn’t start there. Growing up in poverty, Emily experienced financial instability firsthand and was determined to create a different fu…
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…