$190,000 invested, $1,200/mo while below Coast, 7% real while saving, target retire 60, then $52,000/yr withdrawals with 2% real in retirement (illustrative stress). Hover the chart for detail.
Teacher earning $68k with two kids and $190k saved. Asking whether Barista FIRE — part-time work for benefits, portfolio covers the rest — is mathematically possible before 60. Scenario calculator
| Age | Phase | Start $ | Coast thr. | $/mo flow | Annual W | End $ |
|---|
Same modeling conventions as other scenario charts: 7% real accumulation, 2% real in retirement for visibility of drawdown risk. See calculator.