Coastfire calculators giving different results
Coast fire calculators each tell me something different as to how close I am. Calculating with a pension might be what’s throwing it off as I think I believe I’m close using the 25 yrs/4% math. I’m looking to spread extra savings around but unsure of best spot which is why I’m trying to get an accurate picture. Here are some details:
TSP: 505k
RothTSP: 45k
HSA: 7k
HYSA: 36k
Spend*: 74k after retirement savings (max TSP and HSA). In retirement, want spend to be higher, 85-90k.
41M, no kids
Have ~1k/month* to invest outside of TSP/HSA, debating brokerage or IRA. Put extra funds in a brokerage since all money is tied into 401k/ROTH TSP to help with bridge before 57? I guess ROTH TSP is not as easy to access early as a regular ROTH IRA…an argument for back door IRA? Pension I estimate between 50-65k, pending whether I defer retirement with 20+ yrs or at MRA & 30, and in a HCOL. Looking to be done done between 53-57.
Given the above + pension, I think I’m pretty close to coast FIRE? Spend includes the extra 1k per month. If I am indeed at coast, I might reduce some of the 401k contributions for brokerage or HYSA as I’d like a little more lifestyle creep..not much, but a little. I will have a mortgage into retirement..low interest so I haven’t thought of aggressively paying it off.