

The Third Option Between Working and Retiring
44 snips Sep 26, 2025
In a fascinating discussion, Andy Hill, an author and podcaster, shares his journey to a Coast FIRE lifestyle where both he and his wife work part-time. He elaborates on his 10-step framework for achieving this balance, emphasizing the importance of financial freedom and family time. Topics include the impact of part-time schedules on parenting, the concept of Coast FIRE, and practical steps for achieving debt freedom. Andy’s insights inspire a rethinking of work-life priorities, encouraging families to dream big and live meaningfully.
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Both Parents Shifted To Part-Time Work
- Andy and Nicole both shifted from corporate roles to working ~20–25 hours weekly so they could share parenting equally.
- That choice let them do school pickups, one-on-one time, and be present during pivotal child years.
Start By Defining Your Dream
- Take time to define your dream life and write it down with your partner before diving into numbers.
- Use that shared vision to set combined family goals and guide financial choices.
Eliminate High-Interest Consumer Debt
- Commit to living without consumer debt and stop relying on credit for discretionary purchases.
- Prioritize eliminating high-interest debts because payoff often beats market returns.