Amberly Grant achieved 'coast FIRE' by saving 75% of her income and investing in index funds. For years, she lived on $1,300 a month by saving big on housing and transportation. She used her savings to max out her 401(k) plan, Roth IRA, and HSA.

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You can opt-out at any time by visiting our Preferences page or by clicking "unsubscribe" at the bottom of the email. Advertisement For years, Amberly Grant didn't earn enough money to save for her future. At 19, she left the small Canadian town she grew up in and spent years traveling and working odd jobs.

"I've cleaned houses, walked dogs, worked in bars and restaurants; I've taught English in Thailand, and I've helped a friend with a nutrition and pilates studio in Sydney," Grant told Business Insider. "I basically just traveled the world and did odd jobs, and the accumulation of all the money was about $15,000 a year on average." In her mid-20s, she enrolled in community college and, after two years, transferred to the Leeds School of Business at CU Boulder.

Advertisement It was around this time when she stumbled upon the financial independenc.