BiggerPockets Money Podcast How She Quit Full-Time Work at 27 Without Millions (Coast FI)
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Apr 7, 2026 Alyssa describes quitting full-time work at 27 by reaching Coast FI through flexible, part-time income and intentional spending. She walks through career pivots from nursing to project management and practical early investing moves. Conversations cover managing burnout, a tough first rental, and designing work around life with a high savings rate and family planning in mind.
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Realizing Coast FI On A Commute
- Alyssa discovered FI while commuting and realized she was already at Coast FI in her late 20s after front-loading retirement contributions.
- She kept a remote six-figure project management job, worked part-time as a nurse, and then gradually stepped away from full-time work to pursue flexibility.
Build After Tax Liquidity For Optionality
- Do build liquid after-tax savings in your 20s instead of only maxing tax-advantaged accounts to give yourself optionality for entrepreneurship or real estate.
- Alyssa shifted contributions from her 401(k) to brokerage funds once she confirmed her retirement accounts were on track.
Starter Rental Turned Expensive Lesson
- Alyssa bought a starter rental for about $125,000, experienced repeated break-ins, tenant loss, and learned quickly that DIY landlording wasn't for her.
- She lost roughly $10–$20k over 18 months and decided to cut losses and exit the rental business.