What if you didn't have to save 70% of your income to retire early? What if you could hit a number in your 30s, ease off the gas, and still reach financial independence—without sacrificing your present life? That's Coast FIRE, and today's guest Andy Hill is the perfect example of how it works in real life.

Andy hit his Coast FIRE number in his late thirties, left his corporate job at 40, and now runs a successful part-time business that supports his family of four while giving him total control over his time. In this conversation, Andy breaks down his journey from W2 employee to entrepreneur, the specific Coast FIRE calculations that gave him confidence to leave, and how he built a business that prioritizes family first, income second.

This Episode Covers:

What Coast FIRE actually is and how it's different from traditional FIRE

Andy's path from corporate employee to hitting his Coast FIRE number in his late 30s

How Andy built the confidence to leave his W2 job at 40

Transitioning from employee to entrepreneur while supporting a family of four

Building a part-time business that generates enough income without the corporate grind

How Coast FIRE allows you to prioritize family and lifestyle now (not just in retirement)

Key lessons from Andy's book 'Own Your Time'

How to structure your life around what matters most

If traditional FIRE feels too extreme or you're tired of delaying life for decades, Coast FIRE might be the strategy you've been looking for. Andy's story proves you can have financial independence AND a life you love today.

Connect with Andy Hill:

Social: https://www.instagram.com/marriagekidsandmoney

Website: https://marriagekidsandmoney.com/

Pre-Order ‘Own Your Time’ Now: https://marriagekidsandmoney.com/book/

Subscribe to our Weekly Newsletter: www.biggerpocketsmoney.com

Follow BiggerPockets Money on Social:

Facebook: https://www.facebook.com/groups/BPMoney

Instagram: https://www.instagram.com/biggerpocketsmoney/

Learn more about your ad choices. Visit megaphone.fm/adchoices