Coast FIRE with $1M by 35 in Ontario | Liz Enriquez

What does it take to reach Coast FIRE by your mid-30s and actually enjoy the freedom that comes with it?

In this episode, we sit down with personal finance educator Liz Enriquez from Ambitious Adulting to discuss how she and her husband reached Coast FIRE with nearly $1 million invested by age 35. We break down the habits, mindset, and income strategies that helped them build wealth over nearly two decades, starting with small contributions and growing into a powerful investing system.

Liz shares how growing up in an immigrant household shaped her money mindset, why she focused on maintaining a high savings rate early on, and how multiple income streams accelerated their progress. We also dive into the Canadian investing landscape, including TFSAs, RRSPs, and how to think about diversification across accounts.

Now that they’ve reached Coast FIRE, Liz opens up about the emotional side of slowing down, reducing their savings rate, and designing a more flexible lifestyle. From her husband leaving a high-stress job to work part-time at a pizza shop to prioritizing time with their son, this conversation highlights what life can look like when your investments are working for you.

If you’re working toward financial independence or wondering what happens after you hit your number, this episode will give you both the strategy and the perspective to keep going.

Resources & Links

Ambitious Adulting (Liz Enriquez): https://www.instagram.com/ambitiousadulting/Coast FIRE Calculator: https://marriagekidsandmoney.com/calculators/coast-fire/Own Your Time (Andy’s Book): https://marriagekidsandmoney.com/book

Credits

Host: Andy Hill Editor: Johnny Sohl

Podcast Support: Michelle Ahmed Learn more about your ad choices. Visit megaphone.fm/adchoices