Nearly or at CoastFI? Moving to Germany next year.

Questions/Advice

My German native husband and I (American) are moving to Germany next year with our baby and plan to 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 EUR ish for him and maybe 30k EUR ish for me? 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 assets invested now (net worth is a bit higher, with savings, no significant debt, no equity in real estate). Classic broad base index fund ETFs.

Expenses about $90k 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, 7:13 AM UTC

228
Loading comments…