Andy and Nicole Hill Cut Work to 3 Days After Hitting $550,000 Coast FIRE Target
Updated
Updated · Business Insider · May 30
Andy and Nicole Hill Cut Work to 3 Days After Hitting $550,000 Coast FIRE Target
1 articles · Updated · Business Insider · May 30
$550,000 invested by age 40 let Andy and Nicole Hill stop retirement contributions around 2020 and shift to Coast FIRE, a compromise after repeated fights over aggressive saving.
At a 6% assumed annual return, the couple calculated that balance could compound to about $2 million by retirement without further contributions, while current income covers living costs.
Their portfolio has since grown from roughly $550,000 in 2021 to nearly $1 million with no new contributions, according to Vanguard account screenshots reviewed by Business Insider.
Andy left his corporate job in 2020 and now works 20 to 25 hours a week, mostly Tuesday through Thursday; Nicole also works part-time on a three-day schedule.
The shift reflects a broader Coast FIRE approach: front-load investing to buy time freedom earlier, without the lifestyle strain the Hills said traditional FIRE created.
Their portfolio hit $1M without new savings. Can their hands-off strategy survive the next major market crash?
They stopped saving for retirement to work part-time. How do they afford raising kids and healthcare now?