Money Guy Show What They Don’t Tell You About FIRE with Andy Hill!
Jan 28, 2026
Andy Hill, family finance coach behind Marriage Kids and Money and author of Own Your Time, shares his CoastFIRE journey and why time freedom matters. He discusses shifting from full FIRE to part-time work, debates common FIRE rules, and covers money tradeoffs for parents like debt, savings timing, side hustles, insurance, and housing decisions.
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CoastFIRE Lets Compound Interest Do The Heavy Lifting
- CoastFIRE lets compound growth finish your retirement funding so you can work less now.
- Andy Hill uses CoastFIRE to shift to part-time work and more family time at 44.
Validate New Work Before Quitting
- Do test a side business or lower-hours role before quitting to validate enjoyment and income.
- Save a short-term reserve and shift to part-time work once you confirm sustainability.
Don't Treat 25X As A Universal Rule
- Avoid rigid rules like 'save 25x' for everyone; tailor the target to your situation.
- Try a 1–2 year experiment with a smaller bridge fund to test career changes first.
