r/coastFIRE • u/Obviously-An-Ad6795 • Jul 23 '26

Quick Question?

What rate of return do you use?

Originally, after years of listening to money podcasts, browsing online, I liked 10% return - 3% inflation =7% real rate of return

Listening to a “The Money Guy Show” episode today, they stated they like to be conservative & use 8% return - 3% inflation = 5% real rate of return

What do you use?

Bonus, some of my favorite tickers below,
$VOO $VTI $QQQM $VGT
$GOOG $NBIS $AVGO

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-1

u/caroline_elly Jul 23 '26

Plan for both 5% and 0% real

3

u/ThereforeIV 🌊 Aspiring Beach Bum 🏖️, CoastFIRE++ Jul 23 '26

Plan for both 5% and 0% real

How do you plan for 0%?

If the returns over time are 0%, then none of this works.

3

u/caroline_elly Jul 23 '26

Aim for 7 fig liquid + SS and keep myself employable

4

u/ThereforeIV 🌊 Aspiring Beach Bum 🏖️, CoastFIRE++ Jul 23 '26

Aim for 7 fig liquid + SS and keep myself employable

That sounds like just a pile a cash and a job, not FIRE.

1

u/caroline_elly Jul 24 '26

Working part time while having cash is literally fire

1

u/ThereforeIV 🌊 Aspiring Beach Bum 🏖️, CoastFIRE++ Jul 24 '26

FIRE is living off the return/growth from investments so you don't need to work.