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Coast FI, financial independence, and retirement planning are becoming essential topics for anyone who wants to retire early, build passive income, and achieve long-term wealth through compound interest and smart investing. This retirement strategy shows how consistent investing in index funds, a 401(k), IRA, or S&P 500 portfolio can reach a crossover point where investment growth outpaces contributions and your money works for you. By calculating your Coast FI number, safe withdrawal rate, and target retirement portfolio, you can reduce financial stress, avoid lifestyle inflation, and make smarter decisions about saving money, investing for retirement, and wealth building. Whether you’re in your 20s, 30s, or 40s, understanding compound growth, dollar-cost averaging, and long-term stock market returns can help you retire comfortably, create financial freedom, and design a flexible lifestyle with less reliance on a paycheck and more focus on passive wealth, time freedom, and smart personal finance. NOT FINANCIAL ADVICE!!!!!