Daily Productive Sharing 1123 - Coast FIRE

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Is there an alternative to FIRE (Financial Independence, Retire Early) for retiring early? Nick Maggiulli suggests a method called coast FIRE:

1. Coast FIRE involves saving up the initial amount needed for retirement and letting investments and compound interest grow the money over time. Once you’ve reached this initial amount, you no longer need to save aggressively or work excessively;
2. Compared to FIRE's strict savings requirements, coast FIRE is easier to implement;
3. The core of coast FIRE is trusting the power of time and compounding;
4. The formula for calculating the initial savings required for coast FIRE is: Initial Funds = Retirement Funds Needed / (1 + Interest Rate) ^ Years Until Retirement.

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要想早点退休，除了 FIRE，还有其他选择吗？Nick Maggiulli 提出了一个 coast FIRE 的方法：

1. 所谓 coast FIRE，即努力攒到退休需要的初始资金，然后利用投资和复利让钱生钱。攒到初始资金之后，就无需那么严苛地省钱，也不用拼命工作了；
2. 相较于 FIRE 的严苛省钱，coast FIRE 更容易执行；
3. coast FIRE 的要义是相信时间的力量；
4. coast FIRE 的初始资金的计算公式是：初始资金 = 退休所需资金 / (1 + 利率) ^ 退休前还需工作的年限

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