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. This Episode Covers: How Kristel built $1.32M Her current income, expenses, and savings rate Her financial independence goals and timeline House hacking opportunities to reduce housing costs Investment strategy options for her portfolio Is Kristel Coast FI? With help from The Fioneers Coast FI calculator Part-time work options to bridge the gap to full FI Tax optimization and withdrawal strategies And SO much more! Learn more about your ad choices. Visit megaphone.fm/adchoices