I wanted to throw and observation out for discussion and then also ask a list questions to see where peoples minds are at on their COAST journey.

Observation: 90% of members are not COAST but rather Trad/Fat FI

I think the term “COAST FI” gets lost on a few people. Because sometimes it seems people in here (by comments and numbers) are striving for Trad FIRE if not FAT FIRE (good for you, not shaming whatsoever) but in doing that offer up advice that is not in line with the purpose of this subreddit. NOT AN ACCUSATION; OBSERVATION!

For example I see people 28-32 with say 300k in NW and 30 years of compounding ahead of them yet you have comments putting them down or maybe Im reading from the wrong perspective - “motivating them” stating its not enough - “keep going” “invest more”

My question in that is - for what exactly? 300k at 30 doubled every 10 years (to be safe) is $2.4M (96k) at 60

1. What is the point of having $3M when you are 60? (esp if you have sacrificed your 20s&30s for it)

I think a lot of people in here have one specific thing accomplished here - saving. But I think what it is you are saving for and how you go about it is lost.

Like the goal is $3M or whatever by 60 but:

2. How long exactly do you even anticipate living until?

3. I understand medical costs are a thing in retirement but what outside that warrants a 100k income in retirement (assuming home is paid off)

You might say vacation and charity but my counter would be why the hell would I want to take vacations and give in retirement as opposed to now?

I ask this genuielty because as someone that is fairly young (26) and has made siginificant progress - more fortunate than a lot of people I know but less than I would want to be - I wonder when is enough… when can I or you in this subreddit start living life. I come here as many people do to kinda guage where I am in comparison to others and understand a bit where I stand. But like to date I havent seen a real positive post that someone is not saying “not enough”

Like even people in their 40’s with 800k-1M being told its not enough… that’s insanity to me personally

You can always save more yes - but when do YOU actually start living - the point of this subreddit.

I am both asking questions I am hoping to get responses on AND airing out my frustrations a bit - respectfully FOCUS on the questions please - I rather focus my time responding to answers to the questions rather than a back and forth on the latter