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Hook
I Won't Be Work Optional at 40...And That's Okay 🍩
@_girllockin
27.3K followers · usually 1.6K views a post
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10.7K
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1.3K
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122
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The creator shares a personal and relatable financial journey, focusing on realistic goals rather than aspirational ones. The vulnerability and honesty about past debt and a delayed start to investing likely resonated with viewers who may have similar experiences, making the content feel authentic and encouraging.
Summary
The creator discusses their personal financial goals, aiming to reach a Coast FI number of $235,000 by age 35. They acknowledge that retiring at 40 might not be their reality due to past debt and a later start to investing, but they are content with a potential retirement around age 50.
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Original caption
Sometimes I hear people talk about being work optional by 40, and while that’s an amazing goal, that’s probably not my story. I didn’t spend my 20s maxing out retirement accounts and investing every spare dollar. I was young. I was outside. I was having fun. And honestly? I was in debt. My wealth-building journey didn’t really start until my 30s. So instead of chasing someone else’s timeline, I’m focused on my own. My goal is to reach my Coast FI number of $235,000 by age 35. That means if I hit that number and never invested another dollar, time and compound growth could do the rest of the work for retirement. For me, financial freedom isn’t about retiring as early as possible. It’s about creating options. Options to work less. Options to say no. Options to spend more time with my daughter. Options to enjoy life without money controlling every decision. I’m not behind. I’m just building wealth on my timeline. #CoastFI #FinancialFreedom #InvestingJourney #MoneyTok #PersonalFinance
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