What if you didn’t have to choose between grinding full-time until retirement or quitting work altogether? By 40, Andy Hill and his wife had built a $500,000 portfolio and paid off their home. Instead of racing toward early retirement, they chose a third way: scaling back to part-time work, becoming equal partners in parenting, and reclaiming their time. In this episode, recorded live at FinCon, Andy shares his 10-step framework for building a “Coast FIRE” lifestyle — where your investments can coast toward retirement while you focus on living today. The Middle Path Beyond FIRE Most of us think of retirement as a cliff: one day you’re working, the next day you’re not. Andy challenges that binary. He and his wife structured their careers to work 20–25 hours per week each, creating a rhythm that gave them more time with their children, each other, and their health. He breaks down the mindset shifts and tactical steps — from eliminating debt and protecting your family with insurance to stockpiling FU money and designing a three-day workweek. Along the way, he explains how Coast FIRE frees you from mandatory retirement contributions and opens doors to a flexible, meaningful life. Key Takeaways Balance beats extremes. Neither full-time grind nor full-time stay-at-home felt right; designing a flexible, part-time work life created the equilibrium their family needed. Cash buffers change behavior. A 3–6 month emergency fund reduces stress and scarcity thinking, making it easier to parent calmly and make better money decisions. Choose time over trappings. Fancy upgrades aren’t worth trading away presence; prioritizing family time beats lifestyle escalation. Resources & Links Own Your Time: https://amzn.to/4mDSxEb Marriage, Kids & Money podcast: https://www.youtube.com/marriagekidsandmoney Andy Hill – Marriage, Kids & Money: https://marriagekidsandmoney.com/ Glossary Coast FIRE – A stage of financial independence where you’ve saved enough that, with no additional contributions, compounding growth will carry you to full retirement. FU Money – A stash of liquid cash savings that allows you to leave a job or negotiate better terms without fear. 4-Day Weekend – Andy’s term for intentionally designing more leisure, family, or creative time by reducing the traditional five-day workweek. Chapters (4:01) Why the shift (5:35) What their life looks like now (9:08) Why extremes didn’t work for Andy and Nicole (14:45) Step 1 Dream and define your ideal life (18:21) Step 2 Commit to living without high-interest debt (20:38) Step 3 Protect your family (insurance, estate plan, emergency fund) (27:04) Step 4 Invest to reach Coast FIRE (30:29) Step 5 Pay off your home (or optimize if renting) (36:21) Step 6 Stockpile FU money (47:53) Step 7 Design a three-day workweek (57:02) Step 8 Plan your intentional four-day weekend (1:02:39) Step 9 Simplify to avoid lifestyle creep (1:08:56) Step 10 Teach your kids the path to time freedom _______________ Subscribe via Apple Podcasts: https://affordanything.com/applepodcasts Full show notes for the episode: https://affordanything.com/episode Get our show notes in your inbox: https://affordanything.com/shownotes Follow us! IG: https://instagram.com/paulapant Twitter: https://twitter.com/affordanything FB: https://facebook.com/affordanything Community: https://affordanything.com/community