First off, for those of you that don't know what "Coast FIRE" is.
"Coast FIRE is defined as having enough money invested at an early enough age that you no longer need to invest any more to achieve financial independence by age 65 (or whatever age you define as a retirement age)."
I'm 35 years old and according to the retirement calculator at Personal Capital, I have invested enough to make my retirement goal (say 62 years old), and have an emergency account funded. I have a house, no debt, no girlfriend, no kids. Let's say I make 80k a year, live off of 15k-20k, and invest the remainder in tax advantage accounts (HSA, Roth, 457b, SEP), then taxable. I have no hobbies or interest that cost much, spending money on a nice hotel and expensive restaurants do nothing for me. I'm happy sleeping in the hatchback during a road trip, shopping at Aldi, drinking 8 cent coffee from a free work mug, free t-shirts from work, drive a modest car, yeah you get the point. I'm essentially a modern-day caveman. That's probably why I'm still single. I've traveled and got that out of the system. I love working and staying busy, but can't think of a reason to work full-time until 62. Maybe somewhere between 40-50 if the numbers work? Who knows.
I CAN'T imagine (other than health costs, I'm healthy now) that I would need much more invested for retirement (62).
Going forward:
-Do I keep maxing out tax advantage accounts, then taxable?
-Or instead, plow money into the taxable account in anticipation of early/semi-retirement, or a massive unexpected expense such as an investment, or a splurge in fun (Airplane as an example but would never happen).
-Third option. Since nobody knows the future cut back but still invest in tax advantage, more in the taxable, a compromise that's not 100% wrong or 100% right.