Episode #683
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In this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench tackle two pivotal financial decisions with their guest, Kristel. Has she already achieved Coast FI without realizing it? And should she keep her current house or sell it to accelerate her path to financial independence?

Kristel opens up about her journey from a frugal upbringing to building an impressive $1.32 million net worth. Mindy and Scott dig deep into her numbers—dissecting her assets, income streams, and monthly expenses—to give Kristel options for her ideal FIRE life. From house hacking opportunities to smart investment moves and strategic part-time work, this episode delivers actionable insights for anyone navigating their own FI journey.

00:00 Is Kristel Coast FI at age 46?
04:10 Kristel’s Financial Snapshot
05:55 The Big Question: What to Do with the House?
08:28 Exploring Housing Options and Future Plans
10:58 Crafting the Ideal Financial Plan
25:14 Portfolio Transition and Tax Consequences
28:30 Am I Coast FI?
32:54 Exploring Housing Options