Coast FI by 30 in a HCOL City (Here’s How He’s Doing it)

Coast FI by 30 in a HCOL City (Here’s How He’s Doing it)

From BiggerPockets Money Podcast by BiggerPockets

April 21, 2026 · 38 min · Episode 738

About this episode

Eli Saperstein shares his journey towards financial independence while living in NYC, challenging the notion that high living costs hinder the path to FIRE.

In this episode, discover how Eli, a 24-year-old living in NYC, is on track to hit financial independence and retire early—despite the city’s high living costs. His strategies and mindset shift challenge common perceptions about NYC being an obstacle to FIRE. To go beyond the podcast: Kick start your financial independence journey with our FREE financial resources - https://biggerpocketsmoney.com/ Subscribe on YouTube for even more content- www.youtube.com/biggerpocketsmoney Connect with us on social media to join the other BiggerPockets Money listeners - https://www.facebook.com/groups/BPMoney Connect with Eli Saperstein: Sparks FI Group: https://chat.whatsapp.com/H2qxCTm6bZ40Dj72ORkLXg?mode=gi_t Instagram: https://www.instagram.com/stresslessaboutmoney?igsh=ZHF5cjZnbm13dzdr We believe financial independence is attainable for anyone no matter when or where you’re starting. Let’s get your financial house in order! Learn more about your ad choices. Visit megaphone.fm/adchoices

People in this episode

Host: BiggerPockets

Guest: Eli Saperstein

Topics covered

  • financial independence
  • retire early
  • high cost of living
  • money management
  • mindset shift

Keywords

  • financial independence
  • FIRE
  • NYC
  • money strategies
  • early retirement

Mentioned in this episode

Places: NYC

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