35, making 80-130k, and retiring early? here’s what’s worked for me

I hit Coast FI at 35. That means I can stop contributing to retirement tomorrow and still retire comfortably at 50. The money already invested does the rest. Three things got me here. A savings rate most people would call uncomfortable. Index funds instead of stock picking. And leaving it alone for a decade while compounding did the heavy lifting. The math is boring. That is the point. Coast FI number: your target retirement amount, divided by growth over the years you have left. coast fi, coast fire, coast fi at 35, how to coast fi, coast fire canada, coast fi canada, financial independence, fire movement, fire canada, early retirement, retire early canada, index funds, index fund investing, vti, vgro, xeqt, etf investing canada, compound interest, compounding, time in the market, passive investing, invest in your 20s, saving money, high savings rate, personal finance canada, canadian personal finance, tfsa, rrsp, fhsa, investing for beginners, wealthsimple, net worth, financial freedom, retirement planning, coast fi number, fi number, money mindset, build wealth, stop contributing and still retire

Added 14 Jul 2026