BiggerPockets Money Podcast

How to Reach Coast FIRE (The Relaxed Way to Retire!)

28 snips
Jan 9, 2026
Join entrepreneur and author Andy Hill as he shares his journey to achieving Coast FIRE in his late thirties. Discover how he left corporate life for entrepreneurship, all while prioritizing family and lifestyle. Andy explains the unique calculations behind Coast FIRE and the freedom it brings, allowing for a fulfilling life now without the grind. He reflects on his early days as a podcaster, navigating financial challenges, and designing a work-life balance that fits his values. Learn key insights from his book, 'Own Your Time,' for a happier, more intentional life.
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ANECDOTE

Leaving With A Safety Net

  • Andy Hill saved $100,000 as FU money and had about $550,000 invested before quitting his corporate job at 40.
  • That cash runway plus investments and a paid-off mortgage gave him confidence to leave and try solopreneurship.
ANECDOTE

Pandemic Hit After Quitting

  • Two months after Andy left, the pandemic cut major contracts and advertising revenue, creating a steep income drop.
  • He used about $30,000 of his FU money to pivot and stabilize the business over roughly three months.
ADVICE

Adopt A Simple Operating System

  • Use simple systems to structure work and avoid burnout, like planners or operating systems (e.g., EOS, 4DX).
  • Pick one system and stick with it to increase your odds of building a sustainable business.
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