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n26awh | JEPI | Can anybody enlighten me on how this thing keeps going up? It looks like it tracks the S&P 500 but when the market is down it doesn't budge that much, it goes sideways. On good days it just moves with the market upwards. I was reading how it used to be a mutual fund that required a minimum of 3M. Is this some super hid... | 1,619,825,828 | 2021-04-30 23:37:08 | cheekygorilla | 3 | 3 | 0.72 | North American Equity | /r/ETFs/comments/n26awh/jepi/ | https://www.reddit.com/r/ETFs/comments/n26awh/jepi/ | ETFs | 3m |
mf4hfy | FIRE Strategy with €3 Million in Cash? | Hi all,
I would like to hear your opinion on this ETF strategy for my father. A bit of background on him: through his work he was able to accumulate savings approx. of €3M, and he is now 65+ y.o.
However, he never had time to increase his financial knowledge and his savings were followed by a financial advisor, which... | 1,616,949,748 | 2021-03-28 16:42:28 | throwawayMIAO | 4 | 14 | 1 | null | /r/ETFs/comments/mf4hfy/fire_strategy_with_3_million_in_cash/ | https://www.reddit.com/r/ETFs/comments/mf4hfy/fire_strategy_with_3_million_in_cash/ | ETFs | 3m |
luarh5 | Etf information | Where can i find all information about etfs like 1/5 days rise/drop, 1M/3M/6M and so on info, ISIN, name od etf... and option to export it in xls/csv/json? | 1,614,500,263 | 2021-02-28 08:17:43 | Paholko | 3 | 2 | 0.81 | null | /r/ETFs/comments/luarh5/etf_information/ | https://www.reddit.com/r/ETFs/comments/luarh5/etf_information/ | ETFs | 3m |
ldvpgx | Why is XBI up 9.1% the last 4 weeks out performing ARKG? | ***Why is XBI up 9.1% the last 4 weeks out performing ARKG up 5.4% in 4 weeks?***
Let's take a look inside each ETF to find out why?
**Recently 3 Biotech ETFs stand out for high returns. ARKG, XBI and IBB.**
1. **ARKG**\- 90 Day volume 4.3M, 43 holdings, 3 yr returns 57.4%, 13 week 49.1%, 4 week 5.4%.
2. **XBI**\-... | 1,612,609,729 | 2021-02-06 11:08:49 | RayU_AZ | 5 | 1 | 0.78 | null | /r/ETFs/comments/ldvpgx/why_is_xbi_up_91_the_last_4_weeks_out_performing/ | https://www.reddit.com/r/ETFs/comments/ldvpgx/why_is_xbi_up_91_the_last_4_weeks_out_performing/ | ETFs | 3m |
kkot2z | Even more outflows from US multi factor ETFs | # [https://bit.ly/3mT2fDL](https://bit.ly/3mT2fDL) | 1,609,012,840 | 2020-12-26 20:00:40 | Repulsive-Cattle6296 | 2 | 0 | 1 | null | /r/ETFs/comments/kkot2z/even_more_outflows_from_us_multi_factor_etfs/ | https://www.reddit.com/r/ETFs/comments/kkot2z/even_more_outflows_from_us_multi_factor_etfs/ | ETFs | 3m |
kkoqud | Even mor eoutflows from US multifactor ETFs | [https://bit.ly/3mT2fDL](https://bit.ly/3mT2fDL) | 1,609,012,629 | 2020-12-26 19:57:09 | Repulsive-Cattle6296 | 2 | 0 | 0.99 | null | /r/ETFs/comments/kkoqud/even_mor_eoutflows_from_us_multifactor_etfs/ | https://www.reddit.com/r/ETFs/comments/kkoqud/even_mor_eoutflows_from_us_multifactor_etfs/ | ETFs | 3m |
1lnuf9z | Reached FIRE, but are my Assets in the right place? |
Throwaway account, as my main account is pretty identifiable, and don't really want people to know about my financial situation.
**Situation:**
Mid 40's, Married. Two Middle School aged Children. Live in the United States.
Targeting Retiring Early 2026
Current Assets:
|Asset|Value|
|:-|:-|
|401k|1.6... | 1,751,244,531 | 2025-06-30 00:48:51 | Smart_Condition8924 | 2 | 21 | 0.53 | null | /r/financialindependence/comments/1lnuf9z/reached_fire_but_are_my_assets_in_the_right_place/ | https://www.reddit.com/r/financialindependence/comments/1lnuf9z/reached_fire_but_are_my_assets_in_the_right_place/ | financialindependence | 3m |
1ln49kl | How do you make your brain realize you've won? | By the numbers, I'm getting close to achieving success, if not already there.
49 years old, single, no kids.. I actually like my job, too. I grew up not poor, but nowhere near rich. Middle class, but on the low side.
Anyways, my annual spend is ~50k... I don't limit my life, that's just what it is.
My only debt is... | 1,751,165,451 | 2025-06-29 02:50:51 | Snoo_85729 | 181 | 83 | 0.86 | null | /r/financialindependence/comments/1ln49kl/how_do_you_make_your_brain_realize_youve_won/ | https://www.reddit.com/r/financialindependence/comments/1ln49kl/how_do_you_make_your_brain_realize_youve_won/ | financialindependence | 3m |
1l0krwp | Mental Health & FI - $3M but struggling with SI | Throwaway account due to sensitive nature of this:
I have worked for 14 years in various engineering and management roles; I am 36. My mental health has progressively worsened to the point of regularly relying on suicide intervention services (1-2 x / month).
My job is not particularly stressful at this point - at l... | 1,748,769,740 | 2025-06-01 09:22:20 | FitMind8606 | 60 | 75 | 0.71 | null | /r/financialindependence/comments/1l0krwp/mental_health_fi_3m_but_struggling_with_si/ | https://www.reddit.com/r/financialindependence/comments/1l0krwp/mental_health_fi_3m_but_struggling_with_si/ | financialindependence | 3m |
1kx46al | Maximizing CSS financial aid in early retirement -- Keeping income and assets low enough to also qualify for government subsidies and benefits | **Maximizing CSS financial aid in early retirement -- Keeping income and assets low enough to also qualify for government subsidies and benefits**
As my FIRE date and situation begins to come into focus, now just a few years out, I felt like it was time to start planning for my kids' college. I wanted to see how low I... | 1,748,394,235 | 2025-05-28 01:03:55 | Hungry_Shape_858 | 5 | 12 | 0.61 | null | /r/financialindependence/comments/1kx46al/maximizing_css_financial_aid_in_early_retirement/ | https://www.reddit.com/r/financialindependence/comments/1kx46al/maximizing_css_financial_aid_in_early_retirement/ | financialindependence | 3m |
1ktbikv | 37 years old, $800k income, $3.5m net worth, when to retire? | My wife and I have been pursuing FIRE for 10 years. When we married 10 years ago, our net worth was $50k. We saved 65-75% of our after-tax income the entire time. I 10x’d my income from $80 to $800k, in a career I mostly enjoy (Software Engineering). This was done via planning, moving for job opportunities, hard wor... | 1,747,976,931 | 2025-05-23 05:08:51 | PangolinFearless583 | 0 | 28 | 0.35 | null | /r/financialindependence/comments/1ktbikv/37_years_old_800k_income_35m_net_worth_when_to/ | https://www.reddit.com/r/financialindependence/comments/1ktbikv/37_years_old_800k_income_35m_net_worth_when_to/ | financialindependence | 3m |
1kqgw6s | Intend to retire next year - plan review | Posting this on a new account, as family, friends and coworkers know my main reddit account, and I really don’t want them to see exact numbers or intents. Might just make this one my permanent account related to finances to avoid all of them, but that's not relevant at the moment.
Wife and I reached our “FIRE number” ... | 1,747,674,035 | 2025-05-19 17:00:35 | livingbudo | 24 | 50 | 0.79 | null | /r/financialindependence/comments/1kqgw6s/intend_to_retire_next_year_plan_review/ | https://www.reddit.com/r/financialindependence/comments/1kqgw6s/intend_to_retire_next_year_plan_review/ | financialindependence | 3m |
1kq2j0n | How does this sub feel about cash/brokerage/hysa/other over pre-tax retirement once you've reached a certain point? | Here's my situation. I'm 53M/55F, and we plan to retire by the time I am 58. We plan to take SS early (62 or 63 for me/64/65 for her). So we have 4.65 years left (or sooner) to our retirement goal date.
Financial breakdown:
Income - 300K household/year - 8200/month
Debt -192K (Mortgage 178K, Auto Loan 14K)
... | 1,747,627,023 | 2025-05-19 03:57:03 | PedalMonk | 10 | 32 | 0.7 | null | /r/financialindependence/comments/1kq2j0n/how_does_this_sub_feel_about/ | https://www.reddit.com/r/financialindependence/comments/1kq2j0n/how_does_this_sub_feel_about/ | financialindependence | 3m |
1kobzer | FIRE Update: 37, no home, no wife, one baby, $2.1M N/W | [**2021 update**](https://www.reddit.com/r/financialindependence/comments/nr155f/my_fire_journey_33_no_home_no_wife_12m_nw/)
[**2024 update**](https://www.reddit.com/r/financialindependence/comments/1bwtqmb/my_fire_update_36_no_home_no_wife_15m_nw/)
Hey all, wanted to share an update on my FIRE journey. Biggest life ... | 1,747,429,863 | 2025-05-16 21:11:03 | lolkkthxbye | 107 | 50 | 0.73 | null | /r/financialindependence/comments/1kobzer/fire_update_37_no_home_no_wife_one_baby_21m_nw/ | https://www.reddit.com/r/financialindependence/comments/1kobzer/fire_update_37_no_home_no_wife_one_baby_21m_nw/ | financialindependence | 3m |
1jp67kb | Am I there yet? | 34M, single. No kids, but supporting elderly parents (immigrant family).
**Current NW:** $2.96M (was hoping to be at $3m by now, but that orange fellow has made it difficult)
* Cash: \~$400k (this will probably be invested shortly)
* Liquid Investments:\~ $2.2m (all index funds, no individual securities)
* Rental Pro... | 1,743,539,939 | 2025-04-01 20:38:59 | Routine_Mushroom_245 | 0 | 17 | 0.33 | null | /r/financialindependence/comments/1jp67kb/am_i_there_yet/ | https://www.reddit.com/r/financialindependence/comments/1jp67kb/am_i_there_yet/ | financialindependence | 3m |
1jlenwi | Upcoming layoff is making me rethink financial plan | In January, I received the news my role and team are being offshored. Have until end of Q3 since I am in charge of transition. While my end date seems far away. 6 months to go and still not in a formal interview process yet. The job market is tough right now. We were high savers but I had started to think we could star... | 1,743,111,857 | 2025-03-27 21:44:17 | SensibleTexican | 110 | 96 | 0.81 | null | /r/financialindependence/comments/1jlenwi/upcoming_layoff_is_making_me_rethink_financial/ | https://www.reddit.com/r/financialindependence/comments/1jlenwi/upcoming_layoff_is_making_me_rethink_financial/ | financialindependence | 3m |
1jchl2i | €4.3M FI Portfolio – Too Little Risk? | I’m 35 years old. Sold my business a few years ago and have a portfolio worth 4.3M EUR. FI but having a new business now that’s doing well, not taking out any salary though.
Situation:
• Main residency without mortgage (est. worth 750K EUR)
Portfolio of 4.3M EUR with:
• 65% stocks
• 25% bonds (individual governmen... | 1,742,116,520 | 2025-03-16 09:15:20 | Dapper_Ad_5952 | 0 | 11 | 0.26 | null | /r/financialindependence/comments/1jchl2i/43m_fi_portfolio_too_little_risk/ | https://www.reddit.com/r/financialindependence/comments/1jchl2i/43m_fi_portfolio_too_little_risk/ | financialindependence | 3m |
1ja6sjl | FI/RE 7 years in – yearly update and what-have-yous | Hello FI/RE enthusiasts! It’s been 7 years (wow) since I FI/REd. I used to lurk and participate here years ago under different names, but have since graduated on to other things. I always appreciated the update posts of others, and have received a ton of positive feedback over the years when posting my own updates so h... | 1,741,852,119 | 2025-03-13 07:48:39 | FIRE_and_forget_it | 363 | 91 | 0.9 | null | /r/financialindependence/comments/1ja6sjl/fire_7_years_in_yearly_update_and_whathaveyous/ | https://www.reddit.com/r/financialindependence/comments/1ja6sjl/fire_7_years_in_yearly_update_and_whathaveyous/ | financialindependence | 3m |
1iuwkm3 | 31M and 32F Burnt Out in VHCOL city | Hi All,
Looking for advice as I am burnt out working my in person high stress job with a long commute (45 min-1 hr each way). Situation: FIRE number is probably 3m and paid off house. Me (31M) and wife (32F) have NW of 1.2m and most of that is liquid since we are renting in a VHCOL city. Income: 225K-$280K and $200k ... | 1,740,159,291 | 2025-02-21 17:34:51 | Wonderful-Grape2231 | 0 | 6 | 0.33 | null | /r/financialindependence/comments/1iuwkm3/31m_and_32f_burnt_out_in_vhcol_city/ | https://www.reddit.com/r/financialindependence/comments/1iuwkm3/31m_and_32f_burnt_out_in_vhcol_city/ | financialindependence | 3m |
1iq8s7c | Get Rich Slowly - $0 to $5M in 32 years | (To clarify the numbers: I'm in my early 50's. I started the FiRe path 32 years ago.)
My last [status update](https://reddit.com/r/financialindependence/comments/1ayb99j/hey_another_million_0_to_4m_in_31_years/), at $4M, was almost exactly a year ago.
Short version of FiRe journey: worker bee got fed up with bullshit... | 1,739,646,755 | 2025-02-15 19:12:35 | EquativeFib | 1,392 | 107 | 0.93 | null | /r/financialindependence/comments/1iq8s7c/get_rich_slowly_0_to_5m_in_32_years/ | https://www.reddit.com/r/financialindependence/comments/1iq8s7c/get_rich_slowly_0_to_5m_in_32_years/ | financialindependence | 3m |
1ij4ko7 | Retirement gets further every single day ($2MM) | Hi. Stats:
Wife (35F):
- 1.3m index funds
- 500k trad 401k
- 130k Roth
- 12k HSA
Me (34M):
- 100k Roth
- 100k index funds
- 25k HSA
Our home is like $300k equity but still owe 600k
Why do we feel so poor? Everyone I see and know nicer house and cars and better easier lifestyle. It legitimately feels like we will b... | 1,738,854,261 | 2025-02-06 15:04:21 | FIRE_BUTMOSTLY_WATER | 0 | 40 | 0.11 | null | /r/financialindependence/comments/1ij4ko7/retirement_gets_further_every_single_day_2mm/ | https://www.reddit.com/r/financialindependence/comments/1ij4ko7/retirement_gets_further_every_single_day_2mm/ | financialindependence | 3m |
1igv7xw | First post - safe to retire early? | TL;DR - 4.2 million under brokerage, 150k in liabilities (10 years left on 2.4% mortgage, home value \~750k), married, 52 years old living in Texas, kids' college entirely paid for by 529s
Q: What are steps to take to retire now or by 55?
Long version - As my youngest of two daughters started college this fall, it ... | 1,738,605,297 | 2025-02-03 17:54:57 | Unfair_Sprinkles4386 | 0 | 22 | 0.35 | null | /r/financialindependence/comments/1igv7xw/first_post_safe_to_retire_early/ | https://www.reddit.com/r/financialindependence/comments/1igv7xw/first_post_safe_to_retire_early/ | financialindependence | 3m |
1icy8tl | Combating Financial Dysphoria | I questioned whether this post belonged here or in r/personalfinance. I decided it makes more sense here and that the people here probably have more in common with my view points and the discussions that I aim to have.
M29 almost 30, currently unmarried with no children.
Present value of my retirement portfolio is j... | 1,738,169,234 | 2025-01-29 16:47:14 | Chico_boardgamer | 0 | 37 | 0.44 | null | /r/financialindependence/comments/1icy8tl/combating_financial_dysphoria/ | https://www.reddit.com/r/financialindependence/comments/1icy8tl/combating_financial_dysphoria/ | financialindependence | 3m |
1iacl90 | Power through or make a change? | Hi all, I’m a long-time management consultant and the pace, travel and stressful projects are slowly starting to take a toll on my health. Stats below – but the crux of my internal debate is 1) Do I try to tough it out and make it \~ 4 more years for FI ($3M Goal) and I can Rule of 55? Or 2) Do I slow down now, eithe... | 1,737,892,145 | 2025-01-26 11:49:05 | Similar_Criticism351 | 18 | 25 | 0.71 | null | /r/financialindependence/comments/1iacl90/power_through_or_make_a_change/ | https://www.reddit.com/r/financialindependence/comments/1iacl90/power_through_or_make_a_change/ | financialindependence | 3m |
1i72e68 | Consulting 1099 v W2 | Pretext; FIRE number has been reached. Roth/401k is about 150k, 3m 80/20 in equities/bonds in non tax advantaged account. Got a 800k mortgage @ 3%, no car loan, credit card debt is around 2k per month auto paid. On CoveredCA. Based in Bay Area.
Company I worked for got acquired in June 24’ and got paid out my equity s... | 1,737,518,204 | 2025-01-22 03:56:44 | OneDayButTwoDay | 4 | 15 | 0.58 | null | /r/financialindependence/comments/1i72e68/consulting_1099_v_w2/ | https://www.reddit.com/r/financialindependence/comments/1i72e68/consulting_1099_v_w2/ | financialindependence | 3m |
1i6lpre | Involuntarily Retired Young *but* Perhaps Fire | Very long story short, I am a professional that has more or less hated most of their professional life; the nature of the work has taken more out of me than it has given (or it's a really close race). There was one ray of hope for me, a role that was perfect, I could ride it into the sunset more or less on my terms (t... | 1,737,474,891 | 2025-01-21 15:54:51 | MaybeOnFire2025 | 0 | 19 | 0.43 | null | /r/financialindependence/comments/1i6lpre/involuntarily_retired_young_but_perhaps_fire/ | https://www.reddit.com/r/financialindependence/comments/1i6lpre/involuntarily_retired_young_but_perhaps_fire/ | financialindependence | 3m |
1i5w3rk | Do I need to adjust my FIRE goal every year to account for inflation? | When I first put my FIRE spreadsheet together, I set a goal of $3M dollars. That goal is in terms of "today's dollars", which at this point is 7-years-ago dollars. I used 5% stock market growth rates to conservatively account for inflation-adjusted stock market returns.
I'm realizing now that my $3M figure in my spre... | 1,737,395,289 | 2025-01-20 17:48:09 | FIREgenomics | 76 | 68 | 0.78 | null | /r/financialindependence/comments/1i5w3rk/do_i_need_to_adjust_my_fire_goal_every_year_to/ | https://www.reddit.com/r/financialindependence/comments/1i5w3rk/do_i_need_to_adjust_my_fire_goal_every_year_to/ | financialindependence | 3m |
1i4c4d2 | 6 Months to RE (Canada) | I’m planning to quit my job in about 5-6 months, and I thought it would be fun to share the transition with everyone. Using a throwaway because I periodically wipe my main account. All numbers are in CAD using 2025 dollars.
Let the FINE (financial independence next endeavour) journey begin!
**Numbers**
44F. Single.... | 1,737,220,180 | 2025-01-18 17:09:40 | FIRE-Throwaway80 | 51 | 36 | 0.86 | null | /r/financialindependence/comments/1i4c4d2/6_months_to_re_canada/ | https://www.reddit.com/r/financialindependence/comments/1i4c4d2/6_months_to_re_canada/ | financialindependence | 3m |
1hw7vj9 | Help me withdraw correctly for a 3-year sabbatical ahead of early retirement | So I want to take 3 years off.
I'm 40 and the original plan was to retire in about 7-10 years, but I'm willing to extend that timeline a bit to scratch a few things off the bucket list now instead of later.
I have a little under $3M in post-tax investments I'd like to use to fund this plus $100k in cash/emergency fun... | 1,736,299,632 | 2025-01-08 01:27:12 | Representative_note | 15 | 40 | 0.68 | null | /r/financialindependence/comments/1hw7vj9/help_me_withdraw_correctly_for_a_3year_sabbatical/ | https://www.reddit.com/r/financialindependence/comments/1hw7vj9/help_me_withdraw_correctly_for_a_3year_sabbatical/ | financialindependence | 3m |
1hv6d1q | FI in 10 years? Calc check | Hi Folks,
My current assets are at 1M. My annual spend is expected to be about $150K. I'm assuming I can double that 1M to 2M in 10 years at 7% growth rate. Additionally if I save away 70K for next 10 years @ 7% growth rate I'm assuming I can add another 1M, to help get total assets to reach 3M by age 50. Seems like a... | 1,736,189,106 | 2025-01-06 18:45:06 | Ok_Traffic6760 | 2 | 20 | 0.52 | null | /r/financialindependence/comments/1hv6d1q/fi_in_10_years_calc_check/ | https://www.reddit.com/r/financialindependence/comments/1hv6d1q/fi_in_10_years_calc_check/ | financialindependence | 3m |
1huqooy | 2024 recap, 2025 improvements | Happy new year everyone. Its been great to see all the valuable discussions going on here. Learnt a ton. Here is my 2024 recap and as always , would welcome your thoughts/comments/support! Sorry for long post.
DISK household (Myself and spouse are 40YO, 7YO kid)
Assets
* Household Gross Income: $295K base salar... | 1,736,137,376 | 2025-01-06 04:22:56 | Ok_Traffic6760 | 12 | 6 | 0.74 | null | /r/financialindependence/comments/1huqooy/2024_recap_2025_improvements/ | https://www.reddit.com/r/financialindependence/comments/1huqooy/2024_recap_2025_improvements/ | financialindependence | 3m |
1hpe59r | Is my FIRE number reasonable? What extra expenses? | I’m 33 with ~2.5M NW and am trying to pinpoint my FI number and whether it makes sense to CoastFIRE at a more flexible role (fully remote, reduced stress/hours) for lower pay or if I should build a bigger cushion and keep grinding a few years instead. It’s not clear to me what expenses I should account for on top of my... | 1,735,530,135 | 2024-12-30 03:42:15 | Repulsive-Macaroon26 | 0 | 16 | 0.34 | null | /r/financialindependence/comments/1hpe59r/is_my_fire_number_reasonable_what_extra_expenses/ | https://www.reddit.com/r/financialindependence/comments/1hpe59r/is_my_fire_number_reasonable_what_extra_expenses/ | financialindependence | 3m |
1hlm11o | Worst case scenario for FIRE | 41M and 39F. Want to FIRE at end of next year. Posted a few times but wanted the thoughts on this.
Numbers:
Total NW (not including paid off house)- $1.64M
Combined balances: 401k - 76K (new job in the last few years)
Roth IRA - 311K
Rollover Trad IRA - 475K
Brokerage - 754K
Cash - 26K
I've been trying to run th... | 1,735,072,783 | 2024-12-24 20:39:43 | Widget248953 | 20 | 68 | 0.68 | null | /r/financialindependence/comments/1hlm11o/worst_case_scenario_for_fire/ | https://www.reddit.com/r/financialindependence/comments/1hlm11o/worst_case_scenario_for_fire/ | financialindependence | 3m |
1haf2r0 | Advice for which retirement account to use? | Working towards FI, with a goal of pulling the plug on my corporate America job within 6-10 years where I will be somewhere between 49-53 years old. I'm trying to decide which account I should start allocating my “extra retirement” funds above and beyond maxing out my tax advantaged. The choices I’m looking at are con... | 1,733,765,275 | 2024-12-09 17:27:55 | patoirish | 17 | 27 | 0.75 | null | /r/financialindependence/comments/1haf2r0/advice_for_which_retirement_account_to_use/ | https://www.reddit.com/r/financialindependence/comments/1haf2r0/advice_for_which_retirement_account_to_use/ | financialindependence | 3m |
1h8g2fj | I'm 39 y/o. How can I reach $50M by 50? |
Edit: I mean how can I reach $5M
Here’s my story:
W2 Income: $450K (my wife also earns ~$400K, which has allowed us to invest aggressively in real estate this year).
Real Estate Portfolio:
5 rental properties in California (all purchased this year) with a combined equity of $320K; all cash flowing. This equity onl... | 1,733,531,203 | 2024-12-07 00:26:43 | Sea-Bonus5659 | 0 | 20 | 0.18 | null | /r/financialindependence/comments/1h8g2fj/im_39_yo_how_can_i_reach_50m_by_50/ | https://www.reddit.com/r/financialindependence/comments/1h8g2fj/im_39_yo_how_can_i_reach_50m_by_50/ | financialindependence | 3m |
1h7e59e | Can I quit my job? | I’ve (34M) been working in tech about 12 years and my wife (34F) works in a stable field that she enjoys and has no desire to retire early from. We live in a house we own outright with two dogs, and we might have a kid at some point in the future. We rolled over house equity across three different moves over the years ... | 1,733,418,642 | 2024-12-05 17:10:42 | Training-Sink051 | 0 | 23 | 0.38 | null | /r/financialindependence/comments/1h7e59e/can_i_quit_my_job/ | https://www.reddit.com/r/financialindependence/comments/1h7e59e/can_i_quit_my_job/ | financialindependence | 3m |
1h5xs1i | Gut check, ready to quit my job? | More of a coast fire situation than full fire, but I always appreciated the insights of this sub more than other FIRE subs
I am leaning towards quitting my job this January (after bonuses). I'm looking for thoughts/feedback/validation.
**General info:** Newly weds. Both 31. The idea would be to use my wife's income f... | 1,733,258,986 | 2024-12-03 20:49:46 | dusyk | 23 | 48 | 0.72 | null | /r/financialindependence/comments/1h5xs1i/gut_check_ready_to_quit_my_job/ | https://www.reddit.com/r/financialindependence/comments/1h5xs1i/gut_check_ready_to_quit_my_job/ | financialindependence | 3m |
1h3h9ci | Road to FIRE | Throwaway for anonymity.
We are thinking about RE next year and I've been doing a lot of calculations. In the process, I've put together a summary of our financial journey over the years.
Me (39F) and DH (41M), married 17 years, 2 kids.
Total NW>$8M, with ~$500k in primary residence. Withdrawal rate<3%.
Parental sup... | 1,732,986,816 | 2024-11-30 17:13:36 | Pomelo-Salmon-4132 | 0 | 5 | 0.45 | null | /r/financialindependence/comments/1h3h9ci/road_to_fire/ | https://www.reddit.com/r/financialindependence/comments/1h3h9ci/road_to_fire/ | financialindependence | 3m |
1h2rfvj | Firing in January with $3m liquid. Not sure how to do withdrawal strategy | Age 50. Single. No dependents. I am getting laid off in January. I am not up to getting another tech job. Market is tough. I also get crippling back pain sitting in front of a desk.
Assets: $3m liquid. Does not include Home Equity.
Expenses: About $5k/month before the new and more expensive medical insurance plans a... | 1,732,902,667 | 2024-11-29 17:51:07 | Strong-Piccolo-5546 | 179 | 101 | 0.87 | null | /r/financialindependence/comments/1h2rfvj/firing_in_january_with_3m_liquid_not_sure_how_to/ | https://www.reddit.com/r/financialindependence/comments/1h2rfvj/firing_in_january_with_3m_liquid_not_sure_how_to/ | financialindependence | 3m |
1h1clt3 | Logged Off For the Last Time Today | It's done. Still seems hard to believe and surreal and I'm sure it's going to take a while to really sink in. At age 53, after roughly 25 years of spending less than we earn and investing the difference, I've decided this is it. I was able to arrange a layoff so that I'll get severance until next June and health ben... | 1,732,735,577 | 2024-11-27 19:26:17 | 1Mthrowaway | 1,425 | 165 | 0.98 | null | /r/financialindependence/comments/1h1clt3/logged_off_for_the_last_time_today/ | https://www.reddit.com/r/financialindependence/comments/1h1clt3/logged_off_for_the_last_time_today/ | financialindependence | 3m |
1gy03mo | I just hit $4M in net worth | I just hit $4M in net worth. I don't really have anyone else I would talk to about this so posting here. I hope this will be an encouragement to others.
I am married and have 4 kids, each of whom is now married and has their own kids. I have been the sole bread winner of the family since our second was born. I wor... | 1,732,370,008 | 2024-11-23 13:53:28 | pdaphone | 1,739 | 384 | 0.89 | null | /r/financialindependence/comments/1gy03mo/i_just_hit_4m_in_net_worth/ | https://www.reddit.com/r/financialindependence/comments/1gy03mo/i_just_hit_4m_in_net_worth/ | financialindependence | 3m |
1gqz566 | Reducing volatility and increasing SWR | This seems counter intuitive, so I'm trying to wrap my head around it.
Let's say i have 2 scenarios. The first is one where the person has $5M with a 65/35 split, retiring immediately. In the second scenario, they buy 20 years of cash flow via a TIPS ladder. Let's say they pay $2M for that and the resulting $3m is ... | 1,731,567,478 | 2024-11-14 06:57:58 | moneyminded14 | 15 | 7 | 0.75 | null | /r/financialindependence/comments/1gqz566/reducing_volatility_and_increasing_swr/ | https://www.reddit.com/r/financialindependence/comments/1gqz566/reducing_volatility_and_increasing_swr/ | financialindependence | 3m |
1gq183o | Another quit or stick it out post | Hi,
First off, I'm a Fed worker quite likely to be affected by Trump and Schedule F. My wife and I (late 30s) currently have $2.3M NW, consisting of mostly index funds (50/50 between retirement and non retirement) and retirement accounts and $500K in real estate equity between our primary home and rental property. Ren... | 1,731,460,980 | 2024-11-13 01:23:00 | YourRoaring20s | 30 | 40 | 0.66 | null | /r/financialindependence/comments/1gq183o/another_quit_or_stick_it_out_post/ | https://www.reddit.com/r/financialindependence/comments/1gq183o/another_quit_or_stick_it_out_post/ | financialindependence | 3m |
1goptzi | How to get to my goal? | 43M living in HCOL area making about $225k total (excluding RSU and rental income) with SO making about another $30k (100% of which goes to her savings). I want to retire comfortably between 55 - 60. I want to have at least $3M by the time I retire (without SO's contribution). I feel like I'm going to fall short of the... | 1,731,323,533 | 2024-11-11 11:12:13 | PDing123 | 7 | 7 | 0.62 | null | /r/financialindependence/comments/1goptzi/how_to_get_to_my_goal/ | https://www.reddit.com/r/financialindependence/comments/1goptzi/how_to_get_to_my_goal/ | financialindependence | 3m |
1gnrulf | When can I reasonably stop contributing to my 401k? | There was a conversation in the comments section of a post that blew my mind from about a week ago, in which it was stated that there comes a time in which it no longer makes much sense to continue contributing to 401k. Essentially, it was stated that once the account has reached a certain amount, the natural/organic ... | 1,731,210,356 | 2024-11-10 03:45:56 | dutsnekcirf | 102 | 97 | 0.81 | null | /r/financialindependence/comments/1gnrulf/when_can_i_reasonably_stop_contributing_to_my_401k/ | https://www.reddit.com/r/financialindependence/comments/1gnrulf/when_can_i_reasonably_stop_contributing_to_my_401k/ | financialindependence | 3m |
1g3pnax | LOOKING FOR ADVICE ON A LARGE DOWN PAYMENT (34 - $1.3M NW) | (Throw away account for obvious reasons)
What would you all do in this situation? Primarily I'm looking for advice on if it's dumb for me to put down $400k down payment on a house to reduce my living expenses so I can move to a less stressful job/career.
**Age:** 34
I**ncome:** FANG Tech Sales making $350-500k per... | 1,728,937,122 | 2024-10-14 20:18:42 | QuickSighted | 0 | 15 | 0.24 | null | /r/financialindependence/comments/1g3pnax/looking_for_advice_on_a_large_down_payment_34_13m/ | https://www.reddit.com/r/financialindependence/comments/1g3pnax/looking_for_advice_on_a_large_down_payment_34_13m/ | financialindependence | 3m |
1fxxoxx | It looks like I could potentially FIRE at 45. How do I make it to 59? | I currently spend $50k/yr on all my expenses combined.
If I do a 3% withdrawal rate, I'm on track to have the required $1.6m of assets(accounting for taxes) by the time I'm 45. All numbers in today's dollars. With my current allocations, it would be in the below buckets:
* Traditional: $1.3m($900k after taxes)
* Rot... | 1,728,269,070 | 2024-10-07 02:44:30 | bobombpom | 66 | 54 | 0.75 | null | /r/financialindependence/comments/1fxxoxx/it_looks_like_i_could_potentially_fire_at_45_how/ | https://www.reddit.com/r/financialindependence/comments/1fxxoxx/it_looks_like_i_could_potentially_fire_at_45_how/ | financialindependence | 3m |
1fou4o1 | Looking for opinions | 41 and married, living in the Bay Area. We were both raised middle class (her) and lower middle class (me in the Midwest).
I feel like the American Dream has happened this far from where I came from.
Roughly 2.2M Net Worth currently, due to a lot of hard work and some housing luck.
Currently have $600k equity in ou... | 1,727,231,500 | 2024-09-25 02:31:40 | CaliHusker83 | 0 | 15 | 0.44 | null | /r/financialindependence/comments/1fou4o1/looking_for_opinions/ | https://www.reddit.com/r/financialindependence/comments/1fou4o1/looking_for_opinions/ | financialindependence | 3m |
1fofqm5 | Another 1M post | Just checked my Copilot app today and saw my (30M) wife (33F) and I finally hit 1M NW! I've never really tracked my NW with milestones so I unfortunately don't have a breakdown on the timeline but I really didn't have anywhere to share this. When I showed my wife she just said "ok" and went back to sleep lol.
I'm a se... | 1,727,192,889 | 2024-09-24 15:48:09 | goblue2k16 | 17 | 25 | 0.59 | null | /r/financialindependence/comments/1fofqm5/another_1m_post/ | https://www.reddit.com/r/financialindependence/comments/1fofqm5/another_1m_post/ | financialindependence | 3m |
1fkk0s8 | Did your FIRE number changed over time? Here is my history | This is a personal history of our FIRE number and how it changed over the years. Not sure what I am looking for. Mainly to show that life changes over time and what we thought will work 15 years ago is no longer true. Nothing to worry about, we keep living life pretty well and adjust based on what we see. This is what ... | 1,726,750,155 | 2024-09-19 12:49:15 | danarieli | 142 | 185 | 0.85 | null | /r/financialindependence/comments/1fkk0s8/did_your_fire_number_changed_over_time_here_is_my/ | https://www.reddit.com/r/financialindependence/comments/1fkk0s8/did_your_fire_number_changed_over_time_here_is_my/ | financialindependence | 3m |
1fjdc2j | What should I do with asset allocation when I hit my number but still am fine with working? | I have hit 2M+ in net worth at 47. Still very much gainfully employed - don't love or hate it, but the money is more than good enough to keep working and I get good performance reviews each year.
I'm in a VHCOL area (Bay Area) so I burn through a lot of cash in a year but still can save 100k+ each year. If anyt... | 1,726,613,130 | 2024-09-17 22:45:30 | PrestigiousHelp6933 | 15 | 56 | 0.66 | null | /r/financialindependence/comments/1fjdc2j/what_should_i_do_with_asset_allocation_when_i_hit/ | https://www.reddit.com/r/financialindependence/comments/1fjdc2j/what_should_i_do_with_asset_allocation_when_i_hit/ | financialindependence | 3m |
1f3vdq0 | When to use HSA | HSA has amazing triple tax saving properties but suffer from bad tax treatment during inheritance. For anyone with 3M+ invested and 150k+ in HSA, when do you plan to use it? At FIRE or at 65? Spending it at FIRE seems like a good way to ensure you spend it down before death. But saving it till 65 can allow the acco... | 1,724,911,716 | 2024-08-29 06:08:36 | Throwaway_tequila | 26 | 46 | 0.76 | null | /r/financialindependence/comments/1f3vdq0/when_to_use_hsa/ | https://www.reddit.com/r/financialindependence/comments/1f3vdq0/when_to_use_hsa/ | financialindependence | 3m |
1f13nt8 | 51M seeking advice/suggestions on "early retirement" because of mental health and stress | I’m (51M, divorced) looking for some suggestions and ideas on where to go from here, especially in case I have not thought of all my options.
I’m starting to feel desperate because of my mental health and stress levels from my W-2.
**TL;DR:**
* $1.3M in Retirement (401k+IRA)
* $39k/year from rental property inves... | 1,724,611,613 | 2024-08-25 18:46:53 | throwawaybirdbook | 16 | 35 | 0.75 | null | /r/financialindependence/comments/1f13nt8/51m_seeking_advicesuggestions_on_early_retirement/ | https://www.reddit.com/r/financialindependence/comments/1f13nt8/51m_seeking_advicesuggestions_on_early_retirement/ | financialindependence | 3m |
1ez387i | Should/Could I Pull the Retirement Trigger at 75% of goal? | FI people in the last 25-30% of your goal. Do you get frustrated with waiting it out? I’m 56 and see friends developing serious health issues.
When you start investing, contributions do all the lifting and make all the difference, toward the end, the market is the only thing that can move the needle. Which puts me in... | 1,724,385,052 | 2024-08-23 03:50:52 | guitartb | 41 | 91 | 0.73 | null | /r/financialindependence/comments/1ez387i/shouldcould_i_pull_the_retirement_trigger_at_75/ | https://www.reddit.com/r/financialindependence/comments/1ez387i/shouldcould_i_pull_the_retirement_trigger_at_75/ | financialindependence | 3m |
1exwuuu | Sanity check for my simple plan (or maybe just GFY?) | 55-year-old married, father of 3 (18, 16, 14), single income in an HCL area. Small business owner whose company is slowing dying. Targeting the end of the year for real retirement.
We currently "live" on a take home of about $104K, although we always seem to be chasing unplanned expenses. This year we've had about ... | 1,724,264,275 | 2024-08-21 18:17:55 | MoreRedditAgain | 13 | 10 | 0.79 | null | /r/financialindependence/comments/1exwuuu/sanity_check_for_my_simple_plan_or_maybe_just_gfy/ | https://www.reddit.com/r/financialindependence/comments/1exwuuu/sanity_check_for_my_simple_plan_or_maybe_just_gfy/ | financialindependence | 3m |
1es5vm4 | Less conservative drawdown strategy | I‘d like feedback on my retirement drawdown strategy.
For example purposes, say I have $3M in a 401k, some money in a taxable account (details below), and no other sources of income, no SS yet, etc. In this example I don’t account for inflation each year, but that doesn’t have a big effect on the specific question o... | 1,723,652,382 | 2024-08-14 16:19:42 | Sammy81 | 8 | 38 | 0.6 | null | /r/financialindependence/comments/1es5vm4/less_conservative_drawdown_strategy/ | https://www.reddit.com/r/financialindependence/comments/1es5vm4/less_conservative_drawdown_strategy/ | financialindependence | 3m |
1ergfrz | FIRE Progress Pt. 2 – $1M NW at 30, layoffs, and learning opportunities | It has been a little over a year since I wrote [my first FIRE progress log](https://www.reddit.com/r/financialindependence/comments/14v5m50/fire_progress_pt_1_750k_nw_at_29/) and I wanted to share an update. I received some feedback that my first post was overly detailed and too long, so I'm aiming to keep this one mor... | 1,723,576,377 | 2024-08-13 19:12:57 | FIMindset | 42 | 29 | 0.75 | null | /r/financialindependence/comments/1ergfrz/fire_progress_pt_2_1m_nw_at_30_layoffs_and/ | https://www.reddit.com/r/financialindependence/comments/1ergfrz/fire_progress_pt_2_1m_nw_at_30_layoffs_and/ | financialindependence | 3m |
1ekkerg | Getting setup for a bad year at work, and already fully FI. Pull the rip cord or just let it ride? | We are late-40s, and I think it is safe to say we are fully-FI -- about $4.5M net worth and about $110-120k cost of living before any big splurges. (Almost exactly 3% withdrawal rate once I subtract education funds and other earmarks.) I've been tempted to walk away a few times, but at the moment, don't have inspirat... | 1,722,853,717 | 2024-08-05 10:28:37 | moneyminded14 | 223 | 136 | 0.86 | null | /r/financialindependence/comments/1ekkerg/getting_setup_for_a_bad_year_at_work_and_already/ | https://www.reddit.com/r/financialindependence/comments/1ekkerg/getting_setup_for_a_bad_year_at_work_and_already/ | financialindependence | 3m |
1egjvit | Factoring a trust into FI | Hey all,
I'm 30M, current NW \~3M (\~2.5 liquid in the markets, \~.5 in my primary residence). Salary is 250k, annual spend is \~150k. Hate my job and was planning to FIRE in a few years when I hit 3.5-4M liquid. Current annual spend is \~120k, but my wife is pregnant so we're factoring in a rise in that number.
... | 1,722,422,134 | 2024-07-31 10:35:34 | Shot_Constant_7183 | 0 | 15 | 0.35 | null | /r/financialindependence/comments/1egjvit/factoring_a_trust_into_fi/ | https://www.reddit.com/r/financialindependence/comments/1egjvit/factoring_a_trust_into_fi/ | financialindependence | 3m |
1efu27a | FIRE Progress 35M non-first world (South Africa) | Apparently I can't crosspost, so copy-pasting from my local (South Africa) finance subreddit.
Posting on a throwaway so as not to have this information on my main.
As I’ve hit a milestone of R4m NW (roughly $220k at current exchange rates of USD1:ZAR18) recently, I think now is a good time to post about my FIRE journ... | 1,722,347,966 | 2024-07-30 13:59:26 | SeriallySeeking42 | 69 | 21 | 0.81 | null | /r/financialindependence/comments/1efu27a/fire_progress_35m_nonfirst_world_south_africa/ | https://www.reddit.com/r/financialindependence/comments/1efu27a/fire_progress_35m_nonfirst_world_south_africa/ | financialindependence | 3m |
1e79960 | Analysis Paralysis -- Ideal 3/2 funds for my situation | I am 40, spouse is 39. Have been diligently saving over the years. Have about $2.3m invested across retirement and brokerage accounts, $250k saved in money market account for 1 year expense. Income was increasing steadily from 2008 to 2022, but had a 2x increase in income starting 2023. Current HHI is at $700k and hous... | 1,721,409,855 | 2024-07-19 17:24:15 | Pixel-Pioneer3 | 4 | 15 | 0.58 | null | /r/financialindependence/comments/1e79960/analysis_paralysis_ideal_32_funds_for_my_situation/ | https://www.reddit.com/r/financialindependence/comments/1e79960/analysis_paralysis_ideal_32_funds_for_my_situation/ | financialindependence | 3m |
1e6k906 | Ready to have mental breakdown at 2.3 million invested — looking for both financial advice and perspective. | Male, early 40’s, married (early 30’sF); one two-year-old baby girl and another little girl on the way.
Around 2.3m invested in index funds. Around 1.6 is available now, the rest in Roth/SEP. Have approximately 2 years of living expenses as cash.
Salary the last couple of years has been approximately $300k at the e... | 1,721,331,963 | 2024-07-18 19:46:03 | Practical_Amount_550 | 235 | 245 | 0.74 | null | /r/financialindependence/comments/1e6k906/ready_to_have_mental_breakdown_at_23_million/ | https://www.reddit.com/r/financialindependence/comments/1e6k906/ready_to_have_mental_breakdown_at_23_million/ | financialindependence | 3m |
1e6162r | Involuntarily FIRED, what next? | Ever since last year, when my Big Tech employer started laying off people, I've been considering FIREing. The work environment had become much more stressful and political, and I dreaded coming into work every day. What gave me second thoughts about quitting was that I had a golden handcuff of about $500k worth of unv... | 1,721,271,802 | 2024-07-18 03:03:22 | anonymous_1983 | 96 | 91 | 0.78 | null | /r/financialindependence/comments/1e6162r/involuntarily_fired_what_next/ | https://www.reddit.com/r/financialindependence/comments/1e6162r/involuntarily_fired_what_next/ | financialindependence | 3m |
1e4fv09 | FIRE'd at 46 holding average "Joe" job... | Yes, I'm an average "Joe" in all respects.
46/M currently happily retired abroad since last 1 year
Here's my story...
Worked uninteresting jobs in tech for 20 years. No FAANG's... no top tech companies. Even though I had a relevant academic CS background, I wasn't good enough to get into any top place. Grudgingly a... | 1,721,104,658 | 2024-07-16 04:37:38 | crazyhiit | 1,234 | 381 | 0.92 | null | /r/financialindependence/comments/1e4fv09/fired_at_46_holding_average_joe_job/ | https://www.reddit.com/r/financialindependence/comments/1e4fv09/fired_at_46_holding_average_joe_job/ | financialindependence | 3m |
1e3d2je | A Decade To FIRE, 0 -> $4M: On mental health, mini retirements, and staying flexible | **EDIT: I've ruffled a lot of feathers, so I'm putting a TL;DR at the top.**
**FIRE is about maximizing income and minimizing expenses, and I did both. My income started at $65k 15 years ago and grew very quickly, even topping $1M for one of these years. It was not easy getting to that point, but I did it with a mix o... | 1,720,991,776 | 2024-07-14 21:16:16 | FirstFireThenSlay | 16 | 88 | 0.53 | null | /r/financialindependence/comments/1e3d2je/a_decade_to_fire_0_4m_on_mental_health_mini/ | https://www.reddit.com/r/financialindependence/comments/1e3d2je/a_decade_to_fire_0_4m_on_mental_health_mini/ | financialindependence | 3m |
1dw5t0h | For FIRE, should I keep this property for long-term stable rent income or sell and invest in my own 3-fund portfolio? | Hi,
I own a property, and I am deciding whether to sell it or continue renting it out.
Purchase price of the house: **$780k**
Location of the property: Ballard (in Seattle, WA)
Current estimation on Redfin: $980k ($0.92M - $1.1M), on Zillow: $1M ($0.97M - 1.07M)
Purchase time: 2017
Down payment: $200k
Mortgage ... | 1,720,206,550 | 2024-07-05 19:09:10 | KlutzyLawyer3637 | 12 | 50 | 0.68 | null | /r/financialindependence/comments/1dw5t0h/for_fire_should_i_keep_this_property_for_longterm/ | https://www.reddit.com/r/financialindependence/comments/1dw5t0h/for_fire_should_i_keep_this_property_for_longterm/ | financialindependence | 3m |
1dp1ple | Path to $3 million milestone before 40 | In the usual spirit of proud milestone that I can't share anywhere else: My (39M) wife (38F) and kids (4, 1) passed $3.3MM in NW, and $3MM without counting home equity. We've done in it "regular" fields - no tech/crypto/windfall stuff, but a very steady progression. We've been extremely lucky, in terms of market timing... | 1,719,416,501 | 2024-06-26 15:41:41 | jgarland2121 | 256 | 163 | 0.83 | null | /r/financialindependence/comments/1dp1ple/path_to_3_million_milestone_before_40/ | https://www.reddit.com/r/financialindependence/comments/1dp1ple/path_to_3_million_milestone_before_40/ | financialindependence | 3m |
1doh294 | Adhere to strict JL Collins philosophy or gamble a little? | let's say $3M is your retirement number, and in 5 years you will have $1.5M in VTSAX and $1.5M in Alphabet employee stock. if you sell all those Alphabet company shares to add to your VTSAX to live 4% off of, you'll be taxed between 24–50% (some of it you will have owned for longer than 2 years, and some not) and thus ... | 1,719,350,147 | 2024-06-25 21:15:47 | SlickWatts | 0 | 26 | 0.48 | null | /r/financialindependence/comments/1doh294/adhere_to_strict_jl_collins_philosophy_or_gamble/ | https://www.reddit.com/r/financialindependence/comments/1doh294/adhere_to_strict_jl_collins_philosophy_or_gamble/ | financialindependence | 3m |
1dcx9sj | Our FI journey - looking for some feedback | Hi all! Long time lurker, first time poster :-)
We have been on a FI journey for the last seven years or so, and I wanted to run some numbers / thoughts by the community here and hopefully get some feedback. Our current situation looks like this (husband and wife; no kids):
- $1.0M in IRAs
- $200K in Roth IRAs
... | 1,718,055,182 | 2024-06-10 21:33:02 | Work-Less-Live-More | 17 | 18 | 0.76 | null | /r/financialindependence/comments/1dcx9sj/our_fi_journey_looking_for_some_feedback/ | https://www.reddit.com/r/financialindependence/comments/1dcx9sj/our_fi_journey_looking_for_some_feedback/ | financialindependence | 3m |
1d94vnt | UPDATE: Retired at 35 How to Optimize Our $2.3M Portfolio | Update: I had an epiphany in the shower and discussed it with my wife. We've decided to move $1 million into a High-Yield Savings Account (HYSA). The interest earned will cover our annual expenses, and if needed, we can withdraw minimal amounts from our stock investments. The remaining $1.3 million will stay invested i... | 1,717,632,345 | 2024-06-06 00:05:45 | Substantial_Mode8108 | 0 | 47 | 0.41 | null | /r/financialindependence/comments/1d94vnt/update_retired_at_35_how_to_optimize_our_23m/ | https://www.reddit.com/r/financialindependence/comments/1d94vnt/update_retired_at_35_how_to_optimize_our_23m/ | financialindependence | 3m |
1d6rzi8 | Retired at 35: How to Optimize Our $2.3M Portfolio | Three years ago, my partner and I FIRE'd. At the time, I was 35 and my partner was 37. Since then, we've been traveling full-time as nomads. We don’t have kids and have decided to remain child-free.
Our current net worth is $2.3 million in stock assets, up from $2 million when we retired. During our working years, we ... | 1,717,375,379 | 2024-06-03 00:42:59 | Substantial_Mode8108 | 0 | 41 | 0.43 | null | /r/financialindependence/comments/1d6rzi8/retired_at_35_how_to_optimize_our_23m_portfolio/ | https://www.reddit.com/r/financialindependence/comments/1d6rzi8/retired_at_35_how_to_optimize_our_23m_portfolio/ | financialindependence | 3m |
1d6p6xv | Is 3m the new 2m? | I remember distinctly listening to a podcast back in 2019 (maybe this was Paula Pant interview?) that said something to the effect of "the text book case study of **FIRE** is the **30 year old** with $**2m** and planning a **60 year retirement** horizon".
*EDIT: For context, this is assuming a normal person in USA, no... | 1,717,367,163 | 2024-06-02 22:26:03 | lost_2_many_millions | 0 | 77 | 0.26 | null | /r/financialindependence/comments/1d6p6xv/is_3m_the_new_2m/ | https://www.reddit.com/r/financialindependence/comments/1d6p6xv/is_3m_the_new_2m/ | financialindependence | 3m |
1d5od1r | Gauging Where I am and when I can FIRE | Hi all. This is a throwaway account as I'm in the middle of a divorce. I’m trying to see how close I am to being able to do what I want. I am 45. Maybe not retire, but look for a job I somewhat enjoy rather than one where I feel like there is no end. Or at least work less so I can spend more time with my kids. It look... | 1,717,252,561 | 2024-06-01 14:36:01 | BillyFIRE1408 | 0 | 18 | 0.48 | null | /r/financialindependence/comments/1d5od1r/gauging_where_i_am_and_when_i_can_fire/ | https://www.reddit.com/r/financialindependence/comments/1d5od1r/gauging_where_i_am_and_when_i_can_fire/ | financialindependence | 3m |
1cv8yr0 | FIRE'd at the worst time - Analysis, Questions and Learnings | I FIRE'd at probably the worst market conditions in a while on Jan 1, 2022. So it's been about 2.5 years.
Here's my net worth numbers, I am renting, so this is all invested in mutual funds. No additional side income. I am assuming a 3% SWR. I'm now 38 years old, single, no kids.
|Date|Net Worth|Percent Change|Safe Wi... | 1,716,070,972 | 2024-05-18 22:22:52 | WillowGrouchy2204 | 113 | 107 | 0.83 | null | /r/financialindependence/comments/1cv8yr0/fired_at_the_worst_time_analysis_questions_and/ | https://www.reddit.com/r/financialindependence/comments/1cv8yr0/fired_at_the_worst_time_analysis_questions_and/ | financialindependence | 3m |
1cts331 | Probability of reaching financial target | Plot: [https://www.reddit.com/u/Sufficient-Win-6908/s/OwAvYWD7HH
I was experimenting with Python and ChatGPT and generated the attached plot. I started by analyzing the average monthly S&P 500 return and its associated standard deviation. To generate the probability of being at the target by a given date, the code run... | 1,715,905,129 | 2024-05-17 00:18:49 | Sufficient-Win-6908 | 11 | 8 | 0.76 | null | /r/financialindependence/comments/1cts331/probability_of_reaching_financial_target/ | https://www.reddit.com/r/financialindependence/comments/1cts331/probability_of_reaching_financial_target/ | financialindependence | 3m |
1cmrklf | May have to retire early - buy or own? | Title edit : Buy or Rent
Looking to get feedback from this group. I’m 55M married (53F) with adult children. Our details are as follows:
NW is \~$3M
$1.7M in IRA/401ks
$1.25M in condo equity
$50k HYSA
I have health issues that have been getting worse over the last few years and I am not certain how much longer I ... | 1,715,128,891 | 2024-05-08 00:41:31 | gusatl | 17 | 23 | 0.73 | null | /r/financialindependence/comments/1cmrklf/may_have_to_retire_early_buy_or_own/ | https://www.reddit.com/r/financialindependence/comments/1cmrklf/may_have_to_retire_early_buy_or_own/ | financialindependence | 3m |
1cmizj5 | Addressing possible misconceptions about portfolio returns in the drawdown phase | Hey there, I'm the OP from the "Retired at 31 ... here's a spreadsheet" [post the other day](https://www.reddit.com/r/financialindependence/comments/1cji929/retired_at_31_three_years_later_still_trying_to/).
I noticed a few commenters seemingly having a few misconceptions about what returns my portfolio "should" ha... | 1,715,106,752 | 2024-05-07 18:32:32 | ThrowingMyWayAway | 14 | 13 | 0.72 | null | /r/financialindependence/comments/1cmizj5/addressing_possible_misconceptions_about/ | https://www.reddit.com/r/financialindependence/comments/1cmizj5/addressing_possible_misconceptions_about/ | financialindependence | 3m |
1clxbke | Seeking advice, looking to pivot away from real estate to the stock market | First time posting on reddit, throwaway account. I'm (38M) married with two kids and a wife and live in a semi-rural area in the Southeast US.
Not looking to brag, I just don't have anyone to really discuss this with that I trust to give me good advice or that would understand.
I grew up quite conservative (religio... | 1,715,037,819 | 2024-05-06 23:23:39 | Financial_Bad8537 | 7 | 34 | 0.63 | null | /r/financialindependence/comments/1clxbke/seeking_advice_looking_to_pivot_away_from_real/ | https://www.reddit.com/r/financialindependence/comments/1clxbke/seeking_advice_looking_to_pivot_away_from_real/ | financialindependence | 3m |
1cji929 | Retired at 31, three years later still trying to figure out what I want to be doing ... but here's a spreadsheet. | Long-time member, but using my throwaway account.
I retired back in May of 2021 as a software engineer at a large tech company. My NW was about 1.3m through a combination of ridiculous tech salaries, getting lucky with a few investments, and general frugality and simple tastes.
Almost three years later, I'm still... | 1,714,768,187 | 2024-05-03 20:29:47 | ThrowingMyWayAway | 248 | 216 | 0.83 | null | /r/financialindependence/comments/1cji929/retired_at_31_three_years_later_still_trying_to/ | https://www.reddit.com/r/financialindependence/comments/1cji929/retired_at_31_three_years_later_still_trying_to/ | financialindependence | 3m |
1cfinsf | Reconciling social security with safe withdrawal rate | Hi All,
ETA - some more details based on responses:
* portfolio is about 64/30/6 tax deferred/taxable/Roth.
* I am eligible for rule of 55 from 401k withdrawals starting this year
* Portfolio is a bogle style 3 fund: 64/16/20
* I am a single filer and these funds just need to support myself
* I live with and share ex... | 1,714,342,214 | 2024-04-28 22:10:14 | BigSwimming2500 | 5 | 40 | 0.6 | null | /r/financialindependence/comments/1cfinsf/reconciling_social_security_with_safe_withdrawal/ | https://www.reddit.com/r/financialindependence/comments/1cfinsf/reconciling_social_security_with_safe_withdrawal/ | financialindependence | 3m |
1cegayz | Can I quit my Job? | Hi, FIRE community! I am in a tough spot and need to make a quick decision. I was hoping I could rely on this community to help me validate my assumptions.
Privilege: Before I start, I'd like to say that I had a wealth of privilege to get where I am today. I am a healthy, cis, white, male from a middle-upper class fa... | 1,714,229,484 | 2024-04-27 14:51:24 | IDownvoteUrPet | 0 | 38 | 0.38 | null | /r/financialindependence/comments/1cegayz/can_i_quit_my_job/ | https://www.reddit.com/r/financialindependence/comments/1cegayz/can_i_quit_my_job/ | financialindependence | 3m |
1by7o6o | How close am I to retirement? Here are my numbers | I am turning 38 this summer and live in a HCOL area on the West Coast of the U.S. I pretty much worked non-stop at large tech corporations since I got my bachelor's in my early 20's. I'm still at a big corporation, and I honestly can't wait to FIRE.
Credit Karma says my net worth is 2.84M.
My plan is to FIRE in May 2... | 1,712,505,016 | 2024-04-07 15:50:16 | sjtl | 0 | 51 | 0.46 | null | /r/financialindependence/comments/1by7o6o/how_close_am_i_to_retirement_here_are_my_numbers/ | https://www.reddit.com/r/financialindependence/comments/1by7o6o/how_close_am_i_to_retirement_here_are_my_numbers/ | financialindependence | 3m |
1bxlta4 | Am I FIRE? | I'm a bit confused. I just met with a financial planner expecting him to tell me I was in good shape and could proceed with my plan to immediately retire from full time work, doing some light or speculative work for the next 5 years or so. Wife would work for next 10 years to be eligible for social security. My goal... | 1,712,436,452 | 2024-04-06 20:47:32 | These_Garage2178 | 0 | 153 | 0.42 | null | /r/financialindependence/comments/1bxlta4/am_i_fire/ | https://www.reddit.com/r/financialindependence/comments/1bxlta4/am_i_fire/ | financialindependence | 3m |
1bwtqmb | My FIRE Update: 36, no home, no wife, $1.5M N/W | [**Original post here**](https://www.reddit.com/r/financialindependence/comments/nr155f/my_fire_journey_33_no_home_no_wife_12m_nw/)
I haven't seen many of these updates post-ZIRP, and the heady days of 2021/22, so thought I'd share an update now I've hit another milestone of $1.5M. Last three years have been a whirlwi... | 1,712,352,663 | 2024-04-05 21:31:03 | lolkkthxbye | 149 | 72 | 0.79 | null | /r/financialindependence/comments/1bwtqmb/my_fire_update_36_no_home_no_wife_15m_nw/ | https://www.reddit.com/r/financialindependence/comments/1bwtqmb/my_fire_update_36_no_home_no_wife_15m_nw/ | financialindependence | 3m |
1bwfhgi | WTF is wrong with me? | Using a throwaway account.
I am 37 and have been fortunate enough to earn very well in my career thanks mainly to high paying roles and luck with timing and RSU's. I don't feel like I deserve what I made but that's a different topic. I quit my last role last year because I was fully vested and tired of the job (tech ... | 1,712,315,925 | 2024-04-05 11:18:45 | fearandfridaystoday | 154 | 171 | 0.73 | null | /r/financialindependence/comments/1bwfhgi/wtf_is_wrong_with_me/ | https://www.reddit.com/r/financialindependence/comments/1bwfhgi/wtf_is_wrong_with_me/ | financialindependence | 3m |
1buw36n | ZINK (Zero-Income, No Kids): FIRE came to early. Looking for suggestions and tips. | EDIT: FIRE came "too" early.
**Background: How we became ZINK.**
I’ve been waiting to write this for a while. (Just to be safe, I used a throwaway account.)
I’m 54, my wife is 59 and we live in what I’m guessing would be considered a MCOL city near the coast in Florida.
My employment history is pretty non-tradition... | 1,712,159,579 | 2024-04-03 15:52:59 | Suitable-Gur-222 | 20 | 85 | 0.6 | null | /r/financialindependence/comments/1buw36n/zink_zeroincome_no_kids_fire_came_to_early/ | https://www.reddit.com/r/financialindependence/comments/1buw36n/zink_zeroincome_no_kids_fire_came_to_early/ | financialindependence | 3m |
1bkgxfs | Not sure If I'm making the right decision | I (M36) and my wife (F35) are not sure if we are making the right decision with purchasing this home. We currently live in a paid off house that I bought when I was single. It's currently worth around 400K. I bought it for 187K with a 2.75%. the new house that we are currently under contract for is 641k at 6.35%(over d... | 1,711,053,858 | 2024-03-21 20:44:18 | politelyAbused | 0 | 45 | 0.47 | null | /r/financialindependence/comments/1bkgxfs/not_sure_if_im_making_the_right_decision/ | https://www.reddit.com/r/financialindependence/comments/1bkgxfs/not_sure_if_im_making_the_right_decision/ | financialindependence | 3m |
1bhflv3 | Thoughts, input, FIRE is upon us, but I don't feel ready. | OK, so many of you are going to say I have it made. I have plenty of money and I should enjoy life. You're probably right. But it's my nature to plan for the worst and hope for the best.
I am mainly looking for thoughts on how to make it through the next 8-ish years without touching my retirement funds. Bit of backgr... | 1,710,727,731 | 2024-03-18 02:08:51 | dcwhite98 | 0 | 113 | 0.26 | null | /r/financialindependence/comments/1bhflv3/thoughts_input_fire_is_upon_us_but_i_dont_feel/ | https://www.reddit.com/r/financialindependence/comments/1bhflv3/thoughts_input_fire_is_upon_us_but_i_dont_feel/ | financialindependence | 3m |
1b9odpg | Hypothetical Scenario - 1.6M NW, 65k expenses, leveraging ACA - Would you FIRE? | I'm working towards FIRE myself but still have a ways to go. That said, I see a lot of posts with people north of 300k income, 3M NW, and HCOL type expenses. I wanted to post a scenario for those of us on this sitting more towards the average (median) and want to know what needs to be realistically achieved. Basica... | 1,709,905,804 | 2024-03-08 13:50:04 | demobeta | 28 | 45 | 0.75 | null | /r/financialindependence/comments/1b9odpg/hypothetical_scenario_16m_nw_65k_expenses/ | https://www.reddit.com/r/financialindependence/comments/1b9odpg/hypothetical_scenario_16m_nw_65k_expenses/ | financialindependence | 3m |
1b8l42d | How are we doing at 45 on the FIRE Journey | Hi All,
Was hoping to get feedback on our plan. Hoping to take the leap at 50 and leave my high stress job. My wife may continue working longer but we figure we’ll need about $125k/yr in retirement budget wise but Health coverage is our biggest unknown. Curious if you think we’re on track or should start any new new... | 1,709,784,810 | 2024-03-07 04:13:30 | Verndale100 | 16 | 34 | 0.62 | null | /r/financialindependence/comments/1b8l42d/how_are_we_doing_at_45_on_the_fire_journey/ | https://www.reddit.com/r/financialindependence/comments/1b8l42d/how_are_we_doing_at_45_on_the_fire_journey/ | financialindependence | 3m |
1b6ar9s | Sanity Check Can We FIRE With $3M NW? | My wife and I are in our early/mid 40s with 2 children in elementary school. We're basically at the footsteps of FIRE, and I wanted to get some feedback on where we are and if there's anything glaring. Both of us are in tech and feel in the worst case scenario we could find a job again. My biggest fear is markets are a... | 1,709,558,518 | 2024-03-04 13:21:58 | Ok-Ask-1954 | 25 | 122 | 0.59 | null | /r/financialindependence/comments/1b6ar9s/sanity_check_can_we_fire_with_3m_nw/ | https://www.reddit.com/r/financialindependence/comments/1b6ar9s/sanity_check_can_we_fire_with_3m_nw/ | financialindependence | 3m |
1b4pq40 | Think we've prettymuch made it to FIRE? | Been on the FIRE track for a while, got laid off last October and thinking I might be done with corporate life. I'm 44, wife is 37, we have a 7 year old daughter.
Expenses: need about $120k/year. Some flexibility in this, this is the "perfect" number, but could get down to maybe $80-$90k during poor market years.
A... | 1,709,390,317 | 2024-03-02 14:38:37 | Xandamere | 162 | 108 | 0.86 | null | /r/financialindependence/comments/1b4pq40/think_weve_prettymuch_made_it_to_fire/ | https://www.reddit.com/r/financialindependence/comments/1b4pq40/think_weve_prettymuch_made_it_to_fire/ | financialindependence | 3m |
1ayb99j | Hey, another million! $0 to $4M in 31 years | I know y'all like status updates (I do, too!). My [first post](https://www.reddit.com/r/financialindependence/comments/7sp5te/accidentally_hit_a_major_milestone/) was six years ago when I passed $2M in savings. Now at $4M. Still in the Coasting phase, but pretty much can go fuck myself whenever I want.
Short version o... | 1,708,721,223 | 2024-02-23 20:47:03 | EquativeFib | 451 | 75 | 0.83 | null | /r/financialindependence/comments/1ayb99j/hey_another_million_0_to_4m_in_31_years/ | https://www.reddit.com/r/financialindependence/comments/1ayb99j/hey_another_million_0_to_4m_in_31_years/ | financialindependence | 3m |
1as3jtm | Checking in | The next half million | 1M > 1.5M in last 2 years | [I first posted in March 2022](https://www.reddit.com/r/financialindependence/comments/try2uw/1m_today_and_this_sub_has_been_a_driver_since_i/) and, having appreciated some people's longitudinal updates, figured there might be value in a 'dispatch' (somebody else once used the word on here, and I liked it). I think it... | 1,708,071,253 | 2024-02-16 08:14:13 | throwawaypurelife | 34 | 66 | 0.63 | null | /r/financialindependence/comments/1as3jtm/checking_in_the_next_half_million_1m_15m_in_last/ | https://www.reddit.com/r/financialindependence/comments/1as3jtm/checking_in_the_next_half_million_1m_15m_in_last/ | financialindependence | 3m |
1amm3g6 | What should be our next step? 1.9M net worth | Us: 36M married to 38F, two kids 4 years and 4 months
Financials:
Stock Portfolio: 308K
HYSA: 101K
IRA: 250K
401K: 400K
Checking: 30K
Total Financials: 1.089M
Properties:
Primary Home Estimated Equity: 500K
Investment Property #1 Equity: 230K
Investment Property #2 Equity: 100K
Total Property Equity: 830K
Debt (jus... | 1,707,478,265 | 2024-02-09 11:31:05 | Vast_Produce_6190 | 0 | 48 | 0.4 | null | /r/financialindependence/comments/1amm3g6/what_should_be_our_next_step_19m_net_worth/ | https://www.reddit.com/r/financialindependence/comments/1amm3g6/what_should_be_our_next_step_19m_net_worth/ | financialindependence | 3m |
1amh642 | Would it make sense to start taking bigger investment risks? | (Before I get downvoted into oblivion, I tried posting this on r/fatfire but my post was taken down and I was told to post on here instead. Please let me know if this is not appropriate here either)
————-
My wife and I are in our late 20s and our current household income is a little over $500k. Our net worth is rough... | 1,707,457,957 | 2024-02-09 05:52:37 | DogtorPepper | 0 | 31 | 0.39 | null | /r/financialindependence/comments/1amh642/would_it_make_sense_to_start_taking_bigger/ | https://www.reddit.com/r/financialindependence/comments/1amh642/would_it_make_sense_to_start_taking_bigger/ | financialindependence | 3m |
1am6kyc | How much cash needed to retire at 40? | I (40,M) have seen a sudden jump in my net worth and am not sure what to do! I work for a tech company that is doing very well to the point that my equity is worth nearly $3M after just 5 years of working here. This windfall kind of took me by surprise and I haven't really talked to anyone about it yet, since it may ma... | 1,707,427,170 | 2024-02-08 21:19:30 | Frequent_Song5869 | 0 | 112 | 0.5 | null | /r/financialindependence/comments/1am6kyc/how_much_cash_needed_to_retire_at_40/ | https://www.reddit.com/r/financialindependence/comments/1am6kyc/how_much_cash_needed_to_retire_at_40/ | financialindependence | 3m |
1am4ez7 | I'm feeling trapped | Throwaway account as too many personal details will be revealed.
I know this is psychological and probably "the way things work". I simply want to vent. Please don't be hard on me. Maybe some of you think in a similar way. Maybe you have some thoughts to share.
I began building my investment portfolio when I was 40yo... | 1,707,421,729 | 2024-02-08 19:48:49 | Actual-Wind-4553 | 0 | 39 | 0.31 | null | /r/financialindependence/comments/1am4ez7/im_feeling_trapped/ | https://www.reddit.com/r/financialindependence/comments/1am4ez7/im_feeling_trapped/ | financialindependence | 3m |
1aiwfm2 | At a crossroads - continue coasting vs. retiring sooner | At a bit of a crossroads: After saving & working towards FIRE for 15+ years, spouse and I decided to take it easier & coast. We quit higher paying jobs (one for part time, the other a career change) - and allowed ourselves to increase expenses. Since we are no longer saving aggressively, I'm not quite sure how to plan... | 1,707,075,636 | 2024-02-04 19:40:36 | throw_aweigh7115 | 20 | 11 | 0.67 | null | /r/financialindependence/comments/1aiwfm2/at_a_crossroads_continue_coasting_vs_retiring/ | https://www.reddit.com/r/financialindependence/comments/1aiwfm2/at_a_crossroads_continue_coasting_vs_retiring/ | financialindependence | 3m |
1ai70x6 | Canadian in Toronto feeling stuck, how do I (30M) accelerate my path to FIRE? | Hello r/financialindependence, I (30M) am a long-time lurker & first-time poster. Looking for some guidance and recommendations to accelerate my path to FIRE. I currently work a corporate job in the tech space and have been given opportunities to grow my career and increase my overall compensation. However, I don’t wa... | 1,706,996,513 | 2024-02-03 21:41:53 | ness57 | 4 | 20 | 0.55 | null | /r/financialindependence/comments/1ai70x6/canadian_in_toronto_feeling_stuck_how_do_i_30m/ | https://www.reddit.com/r/financialindependence/comments/1ai70x6/canadian_in_toronto_feeling_stuck_how_do_i_30m/ | financialindependence | 3m |
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