Coast FIRE: The Tech Worker's AI Layoff Hedge

With 37% of companies planning AI-driven cuts, here is the math that makes your retirement layoff-proof. Sixty percent of organizations have already made or are planning headcount reductions tied to AI, according to a Harvard Business Review survey of 1,006 global executives . Here is the uncomfortable part: only 2% of those cuts are based on what AI can actually do today. The rest are bets on what it might do tomorrow. If you are a senior software engineer earning $250K and watching your company hire an "AI strategy lead," the rational move is not to panic. It is to do math. Why AI Layoffs Make Coast FIRE Urgent Coast FIRE is reaching a savings threshold where compound growth alone will fund your retirement at a traditional age, without another dollar contributed. The formula is straightforward : take your target retirement nest egg, then divide it by (1 + your expected annual return) raised to the power of years until retirement. Once you hit that number, you can stop saving for reti