Nearly or at CoastFI? Moving to Germany next year

My German native husband and I (American) are moving to Germany next year with our baby and start Coasting - adding little to nothing to our current investments and letting it compound til retirement, not withdrawing til then. We are early-mid 30s and plan to retire in mid 50s, about 24 years from now.

We will be leaving our current jobs- I make 235k and he makes 140k.

Jobs in Germany will be like 90k ish and maybe 30k ish? Given our industries. He’s native to Germany so will get a job a bit easier and we don’t plan to move UNTIL he has a job offer. I will get one eventually but will take some time off for baby and increase my German to C1 if I can, and plan to work part time.

We have 700k invested now (net worth is a bit higher, with savings, no significant debt, no equity in real estate).

Expenses about 90k USD in retirement (estimated) and I think we will be retiring likely in Europe somewhere possibly the US. We will both have German citizenship eventually.

Given our usual estimates for real returns (ranging between 4-6% whatever you’re comfortable with) do you think this is a solid plan for coasting?

Posted Mar 4, 2026, 7:10 AM UTC

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