Recalibration - A 50-year-old with $1.2M in net worth (79th percentile based upon their age) is weighing the classic coastFIRE tradeoff: keep grinding for a bigger number, or downshift, relocate to a lower-cost area, and let compounding do the rest? With a paid-off home, modest retirement accounts, and enough to cover a lean lifestyle, the math says they could coast but the emotional side is harder. Family, identity, fear of running out, and the pull of “just a few more years” complicate what should be a simple decision. Community advice centers on clarifying annual spending, modeling various scenarios, and giving themselves permission to step back if the numbers check out.