Margin - A 50-year-old primary care physician in Texas, married 28 years to a senior data analyst (age 55), with four children (14–23). After twenty years in one community, they moved closer to family, trading stability for higher recent costs and lifestyle upgrades. Their net worth (96th percentile for their age) is anchored by a $3.2M rollover IRA, $950K in taxable brokerage, $750K in 401k, $230K in two homes’ equity, and smaller amounts in Roth, HSA, and deferred comp. Both spouses focus on “automate and persist” which includes maxing 401k/IRA, never trading, and buying used cars with cash, while splurging on hobbies (horses, dogs) and hosting large family meals. Despite high spending and supporting adult children, their consistent savings and low debt have allowed them to “coast FIRE” and weather market ups and downs. The dream is to retire at 58, support the next generation, and eventually build a scholarship fund for their university.