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19a9qn9 | Burnt out at work, feel so close but so far away | Hi. I'm hoping for some collective wisdom from like-minded people on this subreddit.
My sob story is that I am a software engineer in tech. I am burnt out and sick of the corporate grind. This is the kind of burn out that a sabbatical won’t fix. I’m literally done but I don’t feel confident that I can pull the ripcord... | 1,705,636,002 | 2024-01-19 03:46:42 | redditfire999 | 79 | 75 | 0.79 | null | /r/financialindependence/comments/19a9qn9/burnt_out_at_work_feel_so_close_but_so_far_away/ | https://www.reddit.com/r/financialindependence/comments/19a9qn9/burnt_out_at_work_feel_so_close_but_so_far_away/ | financialindependence | 3m |
199rwo9 | The financial logic behind paying off your mortgage early | Often, the idea of paying off a mortgage early is seen through the lens of "peace of mind" as highlighted in texts like 'The Psychology of Money'. This perspective suggests it's more of a behavioral choice than a rational financial move, particularly when considering the potential stock market gains you might miss out ... | 1,705,589,598 | 2024-01-18 14:53:18 | Key-Acanthisitta-472 | 123 | 191 | 0.76 | null | /r/financialindependence/comments/199rwo9/the_financial_logic_behind_paying_off_your/ | https://www.reddit.com/r/financialindependence/comments/199rwo9/the_financial_logic_behind_paying_off_your/ | financialindependence | 3m |
195nxzr | Why such large disparity between net worth and retirement savings percentile thresholds (both by age)? | Hello! New here as a user even though I've been enjoying the wealth of information, posts and comments in this and other similar communities on personal finance for some time. I am a little puzzled by the results of retirement savings by age percentile thresholds ([https://dqydj.com/retirement-savings-by-age/](http... | 1,705,152,293 | 2024-01-13 13:24:53 | GenX2024_friendly | 9 | 30 | 0.57 | null | /r/financialindependence/comments/195nxzr/why_such_large_disparity_between_net_worth_and/ | https://www.reddit.com/r/financialindependence/comments/195nxzr/why_such_large_disparity_between_net_worth_and/ | financialindependence | 3m |
18wj2h4 | Close to FIRE advice | Hi everyone, I'm either pretty close or nearly at FIRE and not sure if I'm actually prepared! _Throwaway for privacy reasons_.
Late 30s, Married, 3 kids, HCOL
FIRE goal is $3M, planning on spending $120,000 per year in retirement.
Current NW: $2.7M
Current FIRE NW (no house/529): $2.27M
**Assets:**
Cash: $14k
I... | 1,704,178,193 | 2024-01-02 06:49:53 | Popular_Work_2655 | 14 | 22 | 0.73 | null | /r/financialindependence/comments/18wj2h4/close_to_fire_advice/ | https://www.reddit.com/r/financialindependence/comments/18wj2h4/close_to_fire_advice/ | financialindependence | 3m |
18uo1sh | Reflecting on 25 Year FI Journey -- $0 to $4.6 Million | I made some graphs showing my net worth and asset changes during the \~25 years I have been working. My gross employer earnings were slightly above $100k during the vast majority of this period. The graphs are inflation adjusted, and expressed in constant 2023 $. For a graph to increase, the asset value needs to inc... | 1,703,965,920 | 2023-12-30 19:52:00 | Key-Ad-8944 | 399 | 75 | 0.91 | null | /r/financialindependence/comments/18uo1sh/reflecting_on_25_year_fi_journey_0_to_46_million/ | https://www.reddit.com/r/financialindependence/comments/18uo1sh/reflecting_on_25_year_fi_journey_0_to_46_million/ | financialindependence | 3m |
18fdnoj | Update on my FIRE journey | 48 Male. I had posted my journey update here about a couple of years ago. Thought I’d give a post pandemic update and also get feedback on anything I can do to further accelerate that journey. Plus I have a few other thoughts that I was hoping to get y’all’s feedback on as well. Thanks in advance. :)
Wife is 44 and a ... | 1,702,243,074 | 2023-12-10 21:17:54 | Firefiresoon | 21 | 30 | 0.72 | null | /r/financialindependence/comments/18fdnoj/update_on_my_fire_journey/ | https://www.reddit.com/r/financialindependence/comments/18fdnoj/update_on_my_fire_journey/ | financialindependence | 3m |
18dnzwv | Seeking validation for a sabatical | Hello all, I (just turned 29) am seeking some reassurance that it will all be okay with my current situation. I have a long term gf that we have always said our biggest issue is we have grown up completely different lives and friends and such, so I am turning to you all after she said we are beyond fine.
Networth (wit... | 1,702,045,682 | 2023-12-08 14:28:02 | Tasty_Representative | 2 | 22 | 0.53 | null | /r/financialindependence/comments/18dnzwv/seeking_validation_for_a_sabatical/ | https://www.reddit.com/r/financialindependence/comments/18dnzwv/seeking_validation_for_a_sabatical/ | financialindependence | 3m |
18bci7y | 35M networth 4M euros - what next? 🔜RE? | I (M35) recently sold my business and work for the business that acquired mine. I have agreed to work for a year. I have wanted to be a millionaire for 20 years and now I am. I have an MBA and work in a field I didn't choose. It's okey, but not my first choice. I have option to:
1. Continue current work and maybe work... | 1,701,784,633 | 2023-12-05 13:57:13 | DrySink6124 | 0 | 45 | 0.39 | null | /r/financialindependence/comments/18bci7y/35m_networth_4m_euros_what_next_re/ | https://www.reddit.com/r/financialindependence/comments/18bci7y/35m_networth_4m_euros_what_next_re/ | financialindependence | 3m |
1898ons | Luck + Marriage -> LeanFI! Approx ~$3M Networth, DINK early 30s couple VHCOL area | Hi folks! Sharing a bit of how we hit LeanFI this year! One big TLDR here: who you fall in love with and marry has a big impact on your FI journey.
My networth started at \~$700k in 2023 and is on track to approximately quadruple this year from the \~20% SP500 appreciation + 2 very lucky events:
**1) One the pr... | 1,701,538,482 | 2023-12-02 17:34:42 | unhumblebraggart | 0 | 13 | 0.39 | null | /r/financialindependence/comments/1898ons/luck_marriage_leanfi_approx_3m_networth_dink/ | https://www.reddit.com/r/financialindependence/comments/1898ons/luck_marriage_leanfi_approx_3m_networth_dink/ | financialindependence | 3m |
185eea6 | What else should we do/save/invest? | Just wondering if there is anything we are missing in terms of allocations, investments, etc.
We - Mid to late 40's - 2 kids (12 and 10) - got a late start to our careers and savings. Currently in M to HCOL area. Hoping to move into a slightly less demanding line of work in my late 50s (e.g. teaching college - which i... | 1,701,120,796 | 2023-11-27 21:33:16 | AggravatingGrass6191 | 9 | 9 | 0.68 | null | /r/financialindependence/comments/185eea6/what_else_should_we_dosaveinvest/ | https://www.reddit.com/r/financialindependence/comments/185eea6/what_else_should_we_dosaveinvest/ | financialindependence | 3m |
17ct8q7 | Want help changing my relationship to spending money | I want to FIRE soon (was hoping for EOY) but I can’t seem to get my spending under control.
Me: Early 40’s, married, we have a 1 yo child. Approx $5.8m net worth (about 4.3m in VOO and about 1.5 in cash/VMFXX, don’t own a house yet). We rent in a HCOL area.
Based on a 3.5% SWR, I think we need to get our spending bel... | 1,697,858,478 | 2023-10-21 03:21:18 | _user_mc_user_face__ | 13 | 97 | 0.56 | null | /r/financialindependence/comments/17ct8q7/want_help_changing_my_relationship_to_spending/ | https://www.reddit.com/r/financialindependence/comments/17ct8q7/want_help_changing_my_relationship_to_spending/ | financialindependence | 3m |
178rry6 | Seeking advice, thoughts: I think we've FIRE'd? | **Life Situation:**
* Married 38F to 38M
* both live and work in the SF Bay Area (yes, in tech)
* no kids, no plans for any
* still currently working
* my husband wants to retire in March 2024
* I want to retire May 2024
**FIRE Progress:**
* I think we've FIREd. I guess I'm looking for a gut/sanity check from you gu... | 1,697,411,370 | 2023-10-15 23:09:30 | FIREthrowaway2024 | 51 | 108 | 0.68 | null | /r/financialindependence/comments/178rry6/seeking_advice_thoughts_i_think_weve_fired/ | https://www.reddit.com/r/financialindependence/comments/178rry6/seeking_advice_thoughts_i_think_weve_fired/ | financialindependence | 3m |
172culg | Buy another property or just keep investing/saving??? | I'd love some input/feedback on next steps. Given the current interest rates (and likelihood of them continuing to rise), not sure if buying in a HCOL area makes sense. Here's our situation:
I'm trying to figure out whether to: 1) purchase another property to rent and then eventually move into when kid #2 graduates hi... | 1,696,702,334 | 2023-10-07 18:12:14 | Reasonable-Expert11 | 0 | 13 | 0.43 | null | /r/financialindependence/comments/172culg/buy_another_property_or_just_keep_investingsaving/ | https://www.reddit.com/r/financialindependence/comments/172culg/buy_another_property_or_just_keep_investingsaving/ | financialindependence | 3m |
171ey0v | Thoughts about a windfall from a business sale | I've been lurking in this sub for many years. Not because I necessarily wanted to FIRE, but because I knew there was a good chance I would become financially independent at some point (which IS something I want of course), and I wanted to better understand what that might mean. This is because I own a portion of a bu... | 1,696,605,281 | 2023-10-06 15:14:41 | soxfan720 | 0 | 8 | 0.45 | null | /r/financialindependence/comments/171ey0v/thoughts_about_a_windfall_from_a_business_sale/ | https://www.reddit.com/r/financialindependence/comments/171ey0v/thoughts_about_a_windfall_from_a_business_sale/ | financialindependence | 3m |
16npqkb | Two-year FIRE update | Hello, r/FI! Are we still interested in updates?
41M, living in New York City, married, one kid. I quit my job in 2021 after a 15-year tech career, with about $2.3M in investments and home equity. I'm still retired, and it's still great. (Here's my [one-year update](https://www.reddit.com/r/financialindependence/comme... | 1,695,227,508 | 2023-09-20 16:31:48 | TheOrchardFI | 289 | 79 | 0.96 | null | /r/financialindependence/comments/16npqkb/twoyear_fire_update/ | https://www.reddit.com/r/financialindependence/comments/16npqkb/twoyear_fire_update/ | financialindependence | 3m |
16hl6yz | Business Owner On Path to FI - WWYD | Seeking thoughts on my situation and what others would do.
Situation: LCOL in the U.S. Mid 30s married with kids. 5M NW consisting of 3M in liquid assets for FIRE (ETFs and investment properties). Rest of NW is PPOR and retirement accounts. Own a business with annual profit >$1M and also work in the business >$250k f... | 1,694,606,553 | 2023-09-13 12:02:33 | Full-Satisfaction624 | 0 | 6 | 0.5 | null | /r/financialindependence/comments/16hl6yz/business_owner_on_path_to_fi_wwyd/ | https://www.reddit.com/r/financialindependence/comments/16hl6yz/business_owner_on_path_to_fi_wwyd/ | financialindependence | 3m |
165hwiw | Closing in on FIRE but want to hedge against economy suffering due to my business being luxury focused | Hi All - throwaway due to lots of personal info.
​
Spent the first 10 years of my professional career post MBA in corporate world in LCOL area. Was frugal and diligent saving and amassed about $1M in taxable/taxed retirement savings.
​
Took a risk \~2 years ago, moved across the country to a very HCO... | 1,693,409,447 | 2023-08-30 15:30:47 | chewbacca_moan | 43 | 47 | 0.74 | null | /r/financialindependence/comments/165hwiw/closing_in_on_fire_but_want_to_hedge_against/ | https://www.reddit.com/r/financialindependence/comments/165hwiw/closing_in_on_fire_but_want_to_hedge_against/ | financialindependence | 3m |
16040jd | Say you were 65, just moved to the US and have $3M in cash, what next? | For context, I have a family member that is immigrating to the US. So they don’t have US investment accounts; this means no ROTH IRAs no 401k no social security payments; Nada. Just 3M cash.
What should they do? My guess is they should buy a home cash, invest the rest (BUT WHERE?!) and live off 4% rule.
The questio... | 1,692,888,475 | 2023-08-24 14:47:55 | plainkay | 0 | 81 | 0.45 | null | /r/financialindependence/comments/16040jd/say_you_were_65_just_moved_to_the_us_and_have_3m/ | https://www.reddit.com/r/financialindependence/comments/16040jd/say_you_were_65_just_moved_to_the_us_and_have_3m/ | financialindependence | 3m |
15szl92 | FIRE or not so much…? | Yesterday I spent 20-30 minutes putting together a spreadsheet to track our Net Worth. It’s left me wondering if we should double down and invest more or coast for a bit.
NW: $1.3M
Retirement Savings: $834k
Retirement calculator shows between $2-$3M in 15 years when I hope to retire/semi-retire. Most likely, I’ll sem... | 1,692,214,401 | 2023-08-16 19:33:21 | One-Instance-1412 | 13 | 30 | 0.7 | null | /r/financialindependence/comments/15szl92/fire_or_not_so_much/ | https://www.reddit.com/r/financialindependence/comments/15szl92/fire_or_not_so_much/ | financialindependence | 3m |
15gmhtq | Just realized I broke 1.3M net worth and had no where else to share | I'm a single 26M in bay area working as a SWE at a FAANG company as an E6 (Staff Engineer). I'm always been frugal and never really liked talking about money with other people, but I just wanted to share somewhere that I crossed the 1M milestone and the history I got here. A bit about myself - I graduated in 2018 from ... | 1,691,016,283 | 2023-08-02 22:44:43 | Informal-Attitude-48 | 1,151 | 400 | 0.79 | null | /r/financialindependence/comments/15gmhtq/just_realized_i_broke_13m_net_worth_and_had_no/ | https://www.reddit.com/r/financialindependence/comments/15gmhtq/just_realized_i_broke_13m_net_worth_and_had_no/ | financialindependence | 3m |
15ec595 | Need help — life plans changed and our new focus is FI/RE | My wife and I had more traditional life plans, but then life took us in a different direction through a series of stressful events, and now we would like to achieve FI/RE but didn’t prioritize it early enough. We need help with next steps (we realize we’re in a privileged/lucky position regardless). Thanks in advance t... | 1,690,798,681 | 2023-07-31 10:18:01 | DontLookBack_88 | 14 | 29 | 0.74 | null | /r/financialindependence/comments/15ec595/need_help_life_plans_changed_and_our_new_focus_is/ | https://www.reddit.com/r/financialindependence/comments/15ec595/need_help_life_plans_changed_and_our_new_focus_is/ | financialindependence | 3m |
15dwz4r | Recent IPO and asset allocation question | Throwaway account. Long time reader of this forum and learnt a lot from it.
My spouse (51) and I (45) have had the good fortune of a recent IPO event that has led to significant liquidity. This has led us to think thru the best asset allocation. Goal is FI (not RE).
Stats:
\- $3M in tax deferred accounts (93... | 1,690,752,304 | 2023-07-30 21:25:04 | MathematicianOk4072 | 1 | 24 | 0.52 | null | /r/financialindependence/comments/15dwz4r/recent_ipo_and_asset_allocation_question/ | https://www.reddit.com/r/financialindependence/comments/15dwz4r/recent_ipo_and_asset_allocation_question/ | financialindependence | 3m |
155vplx | Med-High net worth, high income, high student loan debt, what is the most efficient way for us to manage our debt moving forward? | Hello! M/F in mid-30s, our FIRE number is **~$3M** and we are hoping to hit it in a few years. We collectively make nearly **$800k pre-tax**, although that may be dropping by $100-200k in a year. We have **$1.3M** in semi-liquid assets, own two cars, don't own a home but would like to buy 6-10 months from now. **This i... | 1,689,963,389 | 2023-07-21 18:16:29 | scottyLogJobs | 0 | 35 | 0.36 | null | /r/financialindependence/comments/155vplx/medhigh_net_worth_high_income_high_student_loan/ | https://www.reddit.com/r/financialindependence/comments/155vplx/medhigh_net_worth_high_income_high_student_loan/ | financialindependence | 3m |
1552zb4 | Looking for Advice from the Community - New Here | Hello Amazing People of Financial Independence. I've been a long term lurker and finally got to a point where I feel like I could use some advice to continue or improve on my journey to Financial Independence. I remember getting married a few years ago and pretty much being at a $0 NW. My wife has been amazing at whipp... | 1,689,886,507 | 2023-07-20 20:55:07 | redditman87 | 0 | 6 | 0.5 | null | /r/financialindependence/comments/1552zb4/looking_for_advice_from_the_community_new_here/ | https://www.reddit.com/r/financialindependence/comments/1552zb4/looking_for_advice_from_the_community_new_here/ | financialindependence | 3m |
150pnpw | Am I Ready? | 42M. Work is a drag.
My income is \~400K with modest variability. Investments are 2.3M, 70% in international stock funds and 30% in state and federal tax-exempt muni bond funds. I also own a home outright in VHCOL US.
My partner and I don't have combined finances, and she's not considering RE. No kids and none planne... | 1,689,461,695 | 2023-07-15 22:54:55 | 64_chevy_malibu | 0 | 41 | 0.38 | null | /r/financialindependence/comments/150pnpw/am_i_ready/ | https://www.reddit.com/r/financialindependence/comments/150pnpw/am_i_ready/ | financialindependence | 3m |
14yq0hu | Is RE Possible For Us? | New user here, and long time investor. 34 family of 3 with likely adding another 1 child within a year or two. Total expenses are 7k / month in a HCOL area. I've already evaluated our expenses and feel the cuts we would make would be inconsequential in the long run and in the short run are not worth it. We are also lo... | 1,689,267,110 | 2023-07-13 16:51:50 | LifeIsBeautiful3150 | 0 | 81 | 0.38 | null | /r/financialindependence/comments/14yq0hu/is_re_possible_for_us/ | https://www.reddit.com/r/financialindependence/comments/14yq0hu/is_re_possible_for_us/ | financialindependence | 3m |
14x7dwi | Options for exiting the rate race | I'm 37M living in VHCOL. I've been working basically non-stop since I was 14 years old when not studying. I've always been financially responsible but have really gotten into the FIRE movement ever since the pandemic.
Here is my net worth over time:
https://ibb.co/dkCjM2K
Net worth is around $3M with this breakdown:... | 1,689,118,615 | 2023-07-11 23:36:55 | Lost_Equivalent_7374 | 0 | 35 | 0.38 | null | /r/financialindependence/comments/14x7dwi/options_for_exiting_the_rate_race/ | https://www.reddit.com/r/financialindependence/comments/14x7dwi/options_for_exiting_the_rate_race/ | financialindependence | 3m |
13n2ym3 | Is FIRE possible to people like me? | I'm 44M, with wife no job, two kids, one elemental and one middle school. 2.3M investment, stock, CD etc, house almost paid off, two cars almost paid off, VHCOL.
My problem is high spend. I have cancer. Fortunately, insurance from my job paid the most. If I left my job, the insurance+medical bill will be very high. An... | 1,684,608,818 | 2023-05-20 18:53:38 | OCGF | 0 | 46 | 0.4 | null | /r/financialindependence/comments/13n2ym3/is_fire_possible_to_people_like_me/ | https://www.reddit.com/r/financialindependence/comments/13n2ym3/is_fire_possible_to_people_like_me/ | financialindependence | 3m |
13jbu4j | Best states to retire for someone with taxable account investments | Hello community,
I am a 35M. Married. Wife doesn't make much but has a steady job, no kids, no plans to have any. We are trying to plan some kind of FIRE, mostly because I am burned out more than a wood-fired pizza of the corporate world.
We are at $1.5M NW. Of that, $1M is in taxable equities, bonds and CDs, ... | 1,684,258,792 | 2023-05-16 17:39:52 | nine_zeros | 171 | 167 | 0.83 | null | /r/financialindependence/comments/13jbu4j/best_states_to_retire_for_someone_with_taxable/ | https://www.reddit.com/r/financialindependence/comments/13jbu4j/best_states_to_retire_for_someone_with_taxable/ | financialindependence | 3m |
139kyo8 | FIREd @ 46 and want to share our journey (long read) | tl;dr:
* 47/49 couple with no kids
* Moved from VHCOL to MCOL 8 years ago
* Didn't have boring middle
* Hit $3M in investments
* Pull the trigger mid 2022
* Uses ACA subsidies as a low interest loan - [https://www.irs.gov/affordable-care-act/individuals-and-families/premium-tax-credit-claiming-the-credit-and-reconcili... | 1,683,374,460 | 2023-05-06 12:01:00 | RepresentativeFact46 | 27 | 158 | 0.54 | null | /r/financialindependence/comments/139kyo8/fired_46_and_want_to_share_our_journey_long_read/ | https://www.reddit.com/r/financialindependence/comments/139kyo8/fired_46_and_want_to_share_our_journey_long_read/ | financialindependence | 3m |
12tvn5z | Seeking help on double-checking FI plan before execution | Greetings, I am ready to pull the cord finally but want to check with this wonderful community to see how ready I am. Appreciate any feedback and ideas on whether I am ready to call it quits and sail off in the sunsets. I have 3 Options listed below and assuming I will be single and living in HCOL in foreseeable futu... | 1,682,067,909 | 2023-04-21 09:05:09 | FI-me23 | 4 | 24 | 0.64 | null | /r/financialindependence/comments/12tvn5z/seeking_help_on_doublechecking_fi_plan_before/ | https://www.reddit.com/r/financialindependence/comments/12tvn5z/seeking_help_on_doublechecking_fi_plan_before/ | financialindependence | 3m |
12ng3im | Can I Retire now? | Looking for feedback on if I can do it now. Burnt out in high stress job. Trying to grind out another year but struggling.
Me 57 Spouse 51 Combined income $300K.
Expected annual expenses in retirement including health insurance and taxes - 132K.
Spouse makes $100K and will work 2 more years.
Total nest egg ... | 1,681,587,816 | 2023-04-15 19:43:36 | Future-Seat6728 | 213 | 123 | 0.84 | null | /r/financialindependence/comments/12ng3im/can_i_retire_now/ | https://www.reddit.com/r/financialindependence/comments/12ng3im/can_i_retire_now/ | financialindependence | 3m |
12jj93q | Living in Hawaii and Seeking FIRE | I was born and raised in Hawaii, the state with the highest cost of living. I was very intrigued with FIRE when I first discovered it in my mid 20s. I've been actively chasing it since then.
Anywho, I am fortunate to make a combined household income of $250K with my wife. We max out our 401ks and Roth IRAs, and we con... | 1,681,299,333 | 2023-04-12 11:35:33 | Localboy968xx | 293 | 178 | 0.83 | null | /r/financialindependence/comments/12jj93q/living_in_hawaii_and_seeking_fire/ | https://www.reddit.com/r/financialindependence/comments/12jj93q/living_in_hawaii_and_seeking_fire/ | financialindependence | 3m |
11l4ie0 | Strange situation: Lean FIRE number reached at 26. | I (M27) live in a South American country, where expenses are low, so I had calculated my lean-FIRE at 250k, but didn't expect to reach that number for decades.
My net worth skyrocketed from 17k to 300k over the course of a few months after hitting it big in a crypto start up that has now collapsed.
This happened almo... | 1,678,207,944 | 2023-03-07 16:52:24 | anonymouscauserich | 97 | 55 | 0.77 | null | /r/financialindependence/comments/11l4ie0/strange_situation_lean_fire_number_reached_at_26/ | https://www.reddit.com/r/financialindependence/comments/11l4ie0/strange_situation_lean_fire_number_reached_at_26/ | financialindependence | 3m |
11jfqyy | Best Strategy For Next 10 Years? Good Net Worth but | Hello All,
I have my excel sheets and I do see that if I keep investing like I am I will have about $600k by 46 and stopping my 401k/IRA then will let it grow to $1.3M at 59.5 years old and then the bridge is no longer needed, etc. but I keep seeing people talk about net worth. Net worth doesn't pay the bills, and I ... | 1,678,054,721 | 2023-03-05 22:18:41 | TwoToneDonut | 0 | 4 | 0.44 | null | /r/financialindependence/comments/11jfqyy/best_strategy_for_next_10_years_good_net_worth_but/ | https://www.reddit.com/r/financialindependence/comments/11jfqyy/best_strategy_for_next_10_years_good_net_worth_but/ | financialindependence | 3m |
10jsepr | 2 Week Notice Submitted, I guess I've FIREed in Japan at age 40 | TLDR: 4 kids and a wife, American living in Japan. FIREing at 40 with roughly $1.3m in assets 50/50 between retirement and investment accounts, all in SWPPX and a paid off house/no debt.
So, I've posted here before over the years with the most recent one being [9 months ago](https://www.reddit.com/r/Fire/comments/uc29... | 1,674,520,329 | 2023-01-24 00:32:09 | the_wrath_of_Khan | 906 | 301 | 0.92 | null | /r/financialindependence/comments/10jsepr/2_week_notice_submitted_i_guess_ive_fireed_in/ | https://www.reddit.com/r/financialindependence/comments/10jsepr/2_week_notice_submitted_i_guess_ive_fireed_in/ | financialindependence | 3m |
10fzxg8 | Next steps - help | - 32 years old
- reside in australia
- $1.3m home owned outright
- $350k ore tax annual income
- $120k etf portfolio
- $168k in other assets
- Debt free - zero loans or liabilities
- $100k retirement fund
- both vehicle owned
I am getting to a stage where I’m really unhappy with my career and feel very lost. N... | 1,674,129,599 | 2023-01-19 11:59:59 | Steezz3 | 0 | 7 | 0.24 | null | /r/financialindependence/comments/10fzxg8/next_steps_help/ | https://www.reddit.com/r/financialindependence/comments/10fzxg8/next_steps_help/ | financialindependence | 3m |
z2ptjr | My 25 Year FI Journey | November marks my 25th anniversary working towards financial independence. I hope others might benefit from the observations I gathered over an extended timeframe of perseverance.
I began adulthood with severe anxiety regarding finances.
I developed FIRE-type thinking before FIRE was a commonly understood philosophy.... | 1,669,211,914 | 2022-11-23 13:58:34 | Able-FI-4906 | 470 | 291 | 0.77 | null | /r/financialindependence/comments/z2ptjr/my_25_year_fi_journey/ | https://www.reddit.com/r/financialindependence/comments/z2ptjr/my_25_year_fi_journey/ | financialindependence | 3m |
ye6dla | I got my question into Slate's Pay Dirt about convincing my spouse to FIRE | [https://slate.com/business/2022/06/wife-stay-at-home-work-financial-advice.html](https://slate.com/business/2022/06/wife-stay-at-home-work-financial-advice.html)
Six months or so ago I wrote into Slate's Pay Dirt column. They never notified me that my question was posted, so I only noticed it when I stumbled across i... | 1,666,811,909 | 2022-10-26 19:18:29 | permanent-vacation25 | 341 | 106 | 0.92 | null | /r/financialindependence/comments/ye6dla/i_got_my_question_into_slates_pay_dirt_about/ | https://www.reddit.com/r/financialindependence/comments/ye6dla/i_got_my_question_into_slates_pay_dirt_about/ | financialindependence | 3m |
y76g2f | Two Year FIRE Update: Breakdown of my budget, expense, life updates, trading etc. | I hit FIRE and pulled the trigger two years ago from today in October of 2020. It's been quite an amazing two years filled with wonderful travels, new ventures, meeting loads of people, and just living the good life. I thought I'd just run down my finances for those interested in what FIRE finances actually look like a... | 1,666,098,052 | 2022-10-18 13:00:52 | johncnyc | 856 | 175 | 0.95 | null | /r/financialindependence/comments/y76g2f/two_year_fire_update_breakdown_of_my_budget/ | https://www.reddit.com/r/financialindependence/comments/y76g2f/two_year_fire_update_breakdown_of_my_budget/ | financialindependence | 3m |
xup82y | Thinking through a "Reset Percentage Withdrawal" method | As I approach retirement from my career, a household conversation prompted me to think through our withdrawal approach a bit more. We have been following the ~~fixed percentage withdrawal (FPW)~~ Constant Dollar (C$) method. In this method you withdraw x% in the first year of retirement, then you throw away the rule an... | 1,664,816,842 | 2022-10-03 17:07:22 | firechoice85 | 7 | 20 | 0.67 | null | /r/financialindependence/comments/xup82y/thinking_through_a_reset_percentage_withdrawal/ | https://www.reddit.com/r/financialindependence/comments/xup82y/thinking_through_a_reset_percentage_withdrawal/ | financialindependence | 3m |
xey754 | One-year FIRE update: Early retirement is great! | Greetings, FIers! I [retired in summer 2021](https://old.reddit.com/r/financialindependence/comments/oqdj5r/i_retired_today/). As is tradition, I'm back to fill you in on how it's been going.
Basic details: 39M at retirement, 40 now. I live in New York City. Married, one kid. Worked a 15-year career in tech. I FIREd ... | 1,663,251,963 | 2022-09-15 14:26:03 | TheOrchardFI | 1,831 | 225 | 0.95 | null | /r/financialindependence/comments/xey754/oneyear_fire_update_early_retirement_is_great/ | https://www.reddit.com/r/financialindependence/comments/xey754/oneyear_fire_update_early_retirement_is_great/ | financialindependence | 3m |
vonp9r | Our FIRE Journey - 9 months out |
I’ll be FIREing in 9 months at age 51, and the generous military retirement helped get me there. Here’s how we did it.
My father was in the military, so as a young teen I learned about the generous military retirement system and how the GI Bill could help with going to college. In my day, most poor folks knew of th... | 1,656,636,540 | 2022-07-01 00:49:00 | Bikesandkittens | 229 | 54 | 0.86 | null | /r/financialindependence/comments/vonp9r/our_fire_journey_9_months_out/ | https://www.reddit.com/r/financialindependence/comments/vonp9r/our_fire_journey_9_months_out/ | financialindependence | 3m |
vegkj5 | People who are **IN** RE, how are you doing with the current beatdown in the financial markets | 7 months ago, I posted
https://old.reddit.com/r/financialindependence/comments/qm4aws/preparing_for_the_inevitable/
*"FIREd 3 years ago at $1.3M....Sitting today at $1.7M....at some point in the future there will be a year (or 2 years of 3 years) when I finish the year with LESS money than I started with.... | 1,655,479,487 | 2022-06-17 15:24:47 | zackenrollertaway | 466 | 288 | 0.92 | null | /r/financialindependence/comments/vegkj5/people_who_are_in_re_how_are_you_doing_with_the/ | https://www.reddit.com/r/financialindependence/comments/vegkj5/people_who_are_in_re_how_are_you_doing_with_the/ | financialindependence | 3m |
tddfk8 | Reducing SORR by debt payoff upon retirement | Okay, so this might be obvious to others, but I just realized it for myself a couple weeks ago and thought I would share and see if I am missing something.
The general idea is upon retirement you payoff all debt that will reduce your spending at a level greater than what the amount needed for payoff is expected to pro... | 1,647,197,064 | 2022-03-13 18:44:24 | tacitmarmot | 65 | 26 | 0.87 | null | /r/financialindependence/comments/tddfk8/reducing_sorr_by_debt_payoff_upon_retirement/ | https://www.reddit.com/r/financialindependence/comments/tddfk8/reducing_sorr_by_debt_payoff_upon_retirement/ | financialindependence | 3m |
tc3yit | FI/RE 4 years in - my reflections once again... | Here I come upon my 4 year anniversary of early retirement. As per the norm, I figure I’d tell you fine folks how it’s going.
**My background:** I’m a scientist in my mid 40’s who got into the big data side of tech just as it took off. I worked for a few large companies, and a few small companies, both as an FTE and ... | 1,647,044,013 | 2022-03-12 00:13:33 | FIRE_and_forget_it | 667 | 192 | 0.93 | null | /r/financialindependence/comments/tc3yit/fire_4_years_in_my_reflections_once_again/ | https://www.reddit.com/r/financialindependence/comments/tc3yit/fire_4_years_in_my_reflections_once_again/ | financialindependence | 3m |
s5mbb8 | I think I’m ready to resign | UK based. Nearly 50. Half of a couple with no kids. (EDIT: I am married, with a husband.) Have just hit £3m in savings between us, not including our house. Roughly half in pensions and half not. No debt, no mortgage.
The £3m is mostly in tracker funds, with a chunk of bonds, and perhaps a little too much cash (10%). ... | 1,642,369,097 | 2022-01-16 21:38:17 | Wild_Honeysuckle | 898 | 173 | 0.95 | null | /r/financialindependence/comments/s5mbb8/i_think_im_ready_to_resign/ | https://www.reddit.com/r/financialindependence/comments/s5mbb8/i_think_im_ready_to_resign/ | financialindependence | 3m |
rugxw6 | Path to 1M with graph | [Graph](https://imgur.com/a/uEjDDET)
I was inspired after reading u/FIthrowaway3453453's post (hope you don't mind me copying the format of your post!) on how he went from $10K to $1.3M in 8.5 years. Unfortunately, I don't have the data starting that early, but I did start tracking my data after I made a nice amount o... | 1,641,151,007 | 2022-01-02 19:16:47 | sonwinn | 529 | 232 | 0.81 | null | /r/financialindependence/comments/rugxw6/path_to_1m_with_graph/ | https://www.reddit.com/r/financialindependence/comments/rugxw6/path_to_1m_with_graph/ | financialindependence | 3m |
rtlkf6 | From 10K to 1.3M in 8.5 Years (with Graph) | [Graph](https://i.imgur.com/NRCJO17.png)
This is the my fourth year following up on the [2020](https://www.reddit.com/r/financialindependence/comments/konufa/from_10k_to_955k_in_75_years_with_graph/), [2019](https://www.reddit.com/r/financialindependence/comments/e6mdm0/from_10k_to_650k_in_65_years_with_graph/) and [2... | 1,641,051,024 | 2022-01-01 15:30:24 | FIthrowaway3453453 | 2,383 | 365 | 0.93 | null | /r/financialindependence/comments/rtlkf6/from_10k_to_13m_in_85_years_with_graph/ | https://www.reddit.com/r/financialindependence/comments/rtlkf6/from_10k_to_13m_in_85_years_with_graph/ | financialindependence | 3m |
qhytca | Just passed the 5m net worth mark. AMA | Hi all!
I've been an avid reader of this community for \~7 years now and have gained so much valuable information. A few days ago I officially passed the 5m NW mark: [https://i.imgur.com/Slv0vhC.png](https://i.imgur.com/Slv0vhC.png) (screenshot from my Personal Capital account).
I've posted before ([last time was wh... | 1,635,461,962 | 2021-10-28 22:59:22 | areaprogrammer | 2 | 107 | 0.51 | null | /r/financialindependence/comments/qhytca/just_passed_the_5m_net_worth_mark_ama/ | https://www.reddit.com/r/financialindependence/comments/qhytca/just_passed_the_5m_net_worth_mark_ama/ | financialindependence | 3m |
q93ol5 | 1 year (and a month) POST FIRE | tl;dr - Went from 4.3m to 4.6m. Investments went way up, urge to track spending went down, crypto wound up flat but varies a lot each day. Spent a lot, got a low paying short time job by accident. Still fucking myself.
​
History: [FIREd in September 2020](https://www.reddit.com/r/financialindependence/comme... | 1,634,353,812 | 2021-10-16 03:10:12 | throwaway_canada1 | 706 | 143 | 0.93 | null | /r/financialindependence/comments/q93ol5/1_year_and_a_month_post_fire/ | https://www.reddit.com/r/financialindependence/comments/q93ol5/1_year_and_a_month_post_fire/ | financialindependence | 3m |
p3q9x3 | $3.5M Invested, Goal Nearly Met | 33M & 33F w/ 1 Child | <2 Years to Go (Annual Update #4) | Annual update #4 ([first](https://www.reddit.com/r/financialindependence/comments/91j113/15m_invested_25m_goal_30m_30f_w_1_child_liberal/), [second](https://www.reddit.com/r/financialindependence/comments/cnt95s/update_2_175m_invested_25m_goal_31m_31f_w_1_child/), [third](https://www.reddit.com/r/financialindependence/... | 1,628,876,855 | 2021-08-13 17:47:35 | Avocado_Smoothie | 382 | 185 | 0.84 | null | /r/financialindependence/comments/p3q9x3/35m_invested_goal_nearly_met_33m_33f_w_1_child_2/ | https://www.reddit.com/r/financialindependence/comments/p3q9x3/35m_invested_goal_nearly_met_33m_33f_w_1_child_2/ | financialindependence | 3m |
oxysdt | 10 years of the FI journey | 10 years ago I had finished grad school and started my first post-grad job. That was also when I had started learning about the idea of FIRE, and I was sold. My net worth was negative (hi, student loans). 10 years later, I'm not there yet, but I'm closing in - the end is in sight!
My entire career (both pre- and post... | 1,628,101,089 | 2021-08-04 18:18:09 | Xandamere | 78 | 32 | 0.84 | null | /r/financialindependence/comments/oxysdt/10_years_of_the_fi_journey/ | https://www.reddit.com/r/financialindependence/comments/oxysdt/10_years_of_the_fi_journey/ | financialindependence | 3m |
oqdj5r | I retired today! | Today was my last day of work. It feels surreal to say it.
The backstory: 39, married, 1 kid, $2.3M NW, zero debt. Yet another tech guy. I've always been a pretty good saver, but I didn't know much about investing and was keeping most of it in cash. I discovered Mr. Money Mustache in 2015, and it was the wakeup call ... | 1,627,080,723 | 2021-07-23 22:52:03 | TheOrchardFI | 3,261 | 476 | 0.94 | null | /r/financialindependence/comments/oqdj5r/i_retired_today/ | https://www.reddit.com/r/financialindependence/comments/oqdj5r/i_retired_today/ | financialindependence | 3m |
ofaql6 | Hedonic treadmill | [**https://www.reddit.com/r/financialindependence/comments/izrix7/near\_yet\_so\_far/**](https://www.reddit.com/r/financialindependence/comments/izrix7/near_yet_so_far/)
Follow up and update from my last year post. I was able to find a new job with almost 80% more money (new salary $350K) but with very bad work life b... | 1,625,628,325 | 2021-07-07 03:25:25 | MonkFire | 53 | 74 | 0.74 | null | /r/financialindependence/comments/ofaql6/hedonic_treadmill/ | https://www.reddit.com/r/financialindependence/comments/ofaql6/hedonic_treadmill/ | financialindependence | 3m |
o9pgdq | 10 years to $1m | I enjoy reading the milestone posts with detailed information so I wanted to share my story about hitting a $1,000,000 net worth in about 10 years.
Background info:
* 33 year old couple
* One in finance and one in medicine
* 2 kids
* \~$600k remaining on a mortgage on primary residence in MCOL area ($860k value)
Net... | 1,624,902,423 | 2021-06-28 17:47:03 | vgvti | 174 | 100 | 0.88 | null | /r/financialindependence/comments/o9pgdq/10_years_to_1m/ | https://www.reddit.com/r/financialindependence/comments/o9pgdq/10_years_to_1m/ | financialindependence | 3m |
o7tnm5 | My Guide to Hedgefundie's Portfolio and Why I'm 100% Invested in it for FatFire and WhaleFire | [Link to Part 2 of this guide.](https://www.reddit.com/r/financialindependence/comments/oaiw3h/part_2_of_my_guide_to_hedgefundies_portfolio_for/)
I'm 28 years old. I'm fully invested in a portfolio created by [Hedgefundie over at Bogleheads.](https://www.bogleheads.org/forum/viewtopic.php?f=10&t=272007) I have my enti... | 1,624,646,143 | 2021-06-25 18:35:43 | Adderalin | 666 | 510 | 0.83 | null | /r/financialindependence/comments/o7tnm5/my_guide_to_hedgefundies_portfolio_and_why_im_100/ | https://www.reddit.com/r/financialindependence/comments/o7tnm5/my_guide_to_hedgefundies_portfolio_and_why_im_100/ | financialindependence | 3m |
nw7nmd | [32m/32f] My wife and I cross the 1.6M NW a couple weeks ago! Our journey | The TLDR is that my wife and I both work really hard, made smart decisions to change our careers that paid off, and have been good about living below our means the whole time. We don't expect our good fortune to last more than a few years - so we're saving aggressively now.
I come from a pretty modest background. I gr... | 1,623,276,276 | 2021-06-09 22:04:36 | firethrowaway2020 | 27 | 44 | 0.7 | null | /r/financialindependence/comments/nw7nmd/32m32f_my_wife_and_i_cross_the_16m_nw_a_couple/ | https://www.reddit.com/r/financialindependence/comments/nw7nmd/32m32f_my_wife_and_i_cross_the_16m_nw_a_couple/ | financialindependence | 3m |
nty91e | (36) Got a late start in life at 30 and more recently found FIRE. My backstory & journey so far to $1 million | Hi everyone - I’m not to my FIRE number because of cost of living but well on my way now. This subreddit along with a couple others over the last year have been an amazing help! Single, 36, HCOL area (Seattle/Bellevue). Neither of my parents were very financially savvy or really instilled that in me. In my preteen days... | 1,623,021,043 | 2021-06-06 23:10:43 | tbcboo | 306 | 100 | 0.89 | null | /r/financialindependence/comments/nty91e/36_got_a_late_start_in_life_at_30_and_more/ | https://www.reddit.com/r/financialindependence/comments/nty91e/36_got_a_late_start_in_life_at_30_and_more/ | financialindependence | 3m |
nnm9vr | Another $100k Invested Case Study | Hello!
I was inspired by the update on the front page yesterday, so thought I'd give this a go.
I've been tracking my net worth since I started working in 2017 and thought I'd give a yearly breakdown of my income, spending, and investments. We all like to see case studies here.
**M, 26, SE-US in mid-COL area**
Tim... | 1,622,290,612 | 2021-05-29 12:16:52 | st_nks | 171 | 52 | 0.89 | null | /r/financialindependence/comments/nnm9vr/another_100k_invested_case_study/ | https://www.reddit.com/r/financialindependence/comments/nnm9vr/another_100k_invested_case_study/ | financialindependence | 3m |
nmzp3r | The Value of Investing Early (i.e. Why you might reduce your savings later in the journey) | Every few weeks there is a question to the effect of "can I lower my savings rate?". I've also been thinking about the things I can control in the journey to FI. This is mostly a) spending and b) savings amounts. Market returns have a really large affect, but we can't control them. So the question then becomes "what ef... | 1,622,213,980 | 2021-05-28 14:59:40 | my_FI | 73 | 73 | 0.87 | null | /r/financialindependence/comments/nmzp3r/the_value_of_investing_early_ie_why_you_might/ | https://www.reddit.com/r/financialindependence/comments/nmzp3r/the_value_of_investing_early_ie_why_you_might/ | financialindependence | 3m |
nbyrrx | What does a typical week for those who fired like? | Not a trip or anything. Just what do you do? Any real details. I could technically retire now ($2.1m liquid, not including my house), but I wanted to get to $3m in case I have medical issues, etc... and I don't like to budget. I am close to retiring myself. I am 46.
I am worried if I retire, I'll just sit on the couch... | 1,620,961,164 | 2021-05-14 02:59:24 | mabs653 | 759 | 426 | 0.94 | null | /r/financialindependence/comments/nbyrrx/what_does_a_typical_week_for_those_who_fired_like/ | https://www.reddit.com/r/financialindependence/comments/nbyrrx/what_does_a_typical_week_for_those_who_fired_like/ | financialindependence | 3m |
mthp8x | My lessons toward FIRE: Hit $2.3M net worth at 52 | I learned about FIRE in later 2018 (when I was 50). I was usually maxing out my 401k, but I was not very intentional about my goals. I’m 52M married to a 53F with two adult kids (one finished graduate school the other will graduate college in 2022 with no debt). My FIRE number is about 3.5M which I hope to hit by 2027 ... | 1,618,768,321 | 2021-04-18 17:52:01 | TiberiusCaesar717 | 711 | 139 | 0.96 | null | /r/financialindependence/comments/mthp8x/my_lessons_toward_fire_hit_23m_net_worth_at_52/ | https://www.reddit.com/r/financialindependence/comments/mthp8x/my_lessons_toward_fire_hit_23m_net_worth_at_52/ | financialindependence | 3m |
m8zwa7 | Changing career to tech, from the bottom of the field to $1.3M in Net Worth. | I (35M married, 2 kids) recently read [a post](https://www.reddit.com/r/financialindependence/comments/m8kd16/my_journey_to_fi2m_in_net_worth_from_absolute/) about someone working in tech and most of the comments read "tldr: win the lottery" or similar. I was therefore inspired to post about my experience *changing ca... | 1,616,216,049 | 2021-03-20 04:54:09 | undeservinglogic | 1,562 | 445 | 0.93 | null | /r/financialindependence/comments/m8zwa7/changing_career_to_tech_from_the_bottom_of_the/ | https://www.reddit.com/r/financialindependence/comments/m8zwa7/changing_career_to_tech_from_the_bottom_of_the/ | financialindependence | 3m |
m6txvf | Reached my Number. Now I must wait for COVID to pass in order to pull the plug. | Finally reached my FIRE number, but due to the complications of the current COVID situation, decided to stay at work keeping a holding pattern until things get resolved. I am sharing this information here because I rather not talk about it with family and friends for obvious reasons.
To be specific about the reason fo... | 1,615,962,255 | 2021-03-17 06:24:15 | almost_retired | 1,001 | 204 | 0.95 | null | /r/financialindependence/comments/m6txvf/reached_my_number_now_i_must_wait_for_covid_to/ | https://www.reddit.com/r/financialindependence/comments/m6txvf/reached_my_number_now_i_must_wait_for_covid_to/ | financialindependence | 3m |
m006ya | Did kids change your geo arbitrage FIRE plans? | Hey gang, I'm longtime lurker and commenter, first time poster. I have questions about a fairly specific set of circumstances and I'd love to see if there are relevant experiences the community can share, though hopefully this will be interesting even for folks who are on different tracks. I know there is ExpatFire for... | 1,615,152,651 | 2021-03-07 21:30:51 | fstreetkid | 30 | 73 | 0.72 | null | /r/financialindependence/comments/m006ya/did_kids_change_your_geo_arbitrage_fire_plans/ | https://www.reddit.com/r/financialindependence/comments/m006ya/did_kids_change_your_geo_arbitrage_fire_plans/ | financialindependence | 3m |
l0jlhc | Shifting FIRE Strategies: Choosing a lower net worth. From 'as fast as possible' to maximizing certainty and flexibility. Featuring two purposeful "mistakes" - paying off the personal mortgage, and exiting Real Estate Investing. The journey from Negative 172K to nearly FI. | TL;DR: Discovered FIRE at age 26 with $172,000 in student debt. My wife and I rearranged our entire life to hit FI as quickly as possible - Heavy work schedule, plus planning to build NW with BRRRR (Buy, Rehab, Rent, Refinance, Repeat). We are now ~seven years in (out of then-estimated 12 total) and decided to slow d... | 1,611,062,062 | 2021-01-19 13:14:22 | Terrik27 | 1,291 | 317 | 0.96 | null | /r/financialindependence/comments/l0jlhc/shifting_fire_strategies_choosing_a_lower_net/ | https://www.reddit.com/r/financialindependence/comments/l0jlhc/shifting_fire_strategies_choosing_a_lower_net/ | financialindependence | 3m |
kxfws6 | Mostly ready to retire. I am an old fart compared to most here. FIRE was not a thing when I started working/saving. I am trying to determine what I want to do as I contemplate pulling the trigger. | I am 57 and have a net worth of approx 1.3M. 800K in self-directed IRA. 200K in non-sheltered investments, about 50K in my new company 401k, 130K in cash (due to a sale of a home). Home free and clear about 130K in value.
I have been a single income provider working in IT for the last several decades. The majority... | 1,610,661,735 | 2021-01-14 22:02:15 | Tesla_boring_spacex | 246 | 85 | 0.96 | null | /r/financialindependence/comments/kxfws6/mostly_ready_to_retire_i_am_an_old_fart_compared/ | https://www.reddit.com/r/financialindependence/comments/kxfws6/mostly_ready_to_retire_i_am_an_old_fart_compared/ | financialindependence | 3m |
jvrwdq | Firecalc observation on taking pension and SS early vs late | At these advice of some other posters here I have been running scenarios in [firecalc.com](https://firecalc.com). It is really a great tool as it allows you to put in nearly all of your financial data (portfolio balances and composition, when to start retirement and how long, income needed, pensions, SS, future contrib... | 1,605,614,897 | 2020-11-17 12:08:17 | redreddie | 312 | 129 | 0.94 | null | /r/financialindependence/comments/jvrwdq/firecalc_observation_on_taking_pension_and_ss/ | https://www.reddit.com/r/financialindependence/comments/jvrwdq/firecalc_observation_on_taking_pension_and_ss/ | financialindependence | 3m |
j6tt1j | My Research on great 401k company matching | Edits:
Thanks ill for your responses and sharing your company and its match for those that did. I received too many messages to add to this list, but I can summarize the overall themes.
Universities seem to have a very high match, sometimes regardless of employee contribution, around 10 to 15%.
A lot of big tech co... | 1,602,087,362 | 2020-10-07 16:16:02 | Forecydian | 323 | 207 | 0.97 | null | /r/financialindependence/comments/j6tt1j/my_research_on_great_401k_company_matching/ | https://www.reddit.com/r/financialindependence/comments/j6tt1j/my_research_on_great_401k_company_matching/ | financialindependence | 3m |
j6lcxa | Down payment for a mortgage — how to think about the math in FI? | My wife and I planning to buy a home in the next couple of years in a very high cost-of-living area. We have family in town, like living here despite the high COL, and intend to settle for the long term. While it's probably the better financial decision to rent, the permanence of living in our own home and the ability ... | 1,602,048,958 | 2020-10-07 05:35:58 | dekaliber | 34 | 30 | 0.87 | null | /r/financialindependence/comments/j6lcxa/down_payment_for_a_mortgage_how_to_think_about/ | https://www.reddit.com/r/financialindependence/comments/j6lcxa/down_payment_for_a_mortgage_how_to_think_about/ | financialindependence | 3m |
izrix7 | Near, yet so far | I am an immigrant, came to US 18 years back. Single income earner with 2 kids. My salary for the first 10 years was in between 50K to 80k. I read about FI around 8 years back and realized my salary was not enough to become FI. I completely focussed my attention on getting job that paid well. Luckily I was working in IT... | 1,601,066,300 | 2020-09-25 20:38:20 | MonkFire | 762 | 322 | 0.91 | null | /r/financialindependence/comments/izrix7/near_yet_so_far/ | https://www.reddit.com/r/financialindependence/comments/izrix7/near_yet_so_far/ | financialindependence | 3m |
ixb8y3 | RE Then Return To Work When Older? | I've been working non-stop for years without days off or a vacation which has left me burnt out and interested in FIRE.
All of my time working has left me feeling like I'm missing out on seeing my three kids grow up.
I can't really ease up in my current job, which left me thinking about coast FIRE. But the prospect o... | 1,600,728,482 | 2020-09-21 22:48:02 | LankyCandle | 39 | 53 | 0.78 | null | /r/financialindependence/comments/ixb8y3/re_then_return_to_work_when_older/ | https://www.reddit.com/r/financialindependence/comments/ixb8y3/re_then_return_to_work_when_older/ | financialindependence | 3m |
irdx3v | Alternative "Absolute Best Market Timing" - Pre-Cog vs Humans (Market Timer and Early & Often) |
[u/jerschneid](https://www.reddit.com/user/jerschneid/) made a post earlier this week [regarding absolute best/worst and consistent investment scenarios](https://www.reddit.com/r/financialindependence/comments/iq30q8/timing_the_market_absolute_worst_vs_absolute_best/g4ougox/), which inspired me to do a little extra ... | 1,599,922,197 | 2020-09-12 14:49:57 | AnimeCiety | 210 | 64 | 0.87 | null | /r/financialindependence/comments/irdx3v/alternative_absolute_best_market_timing_precog_vs/ | https://www.reddit.com/r/financialindependence/comments/irdx3v/alternative_absolute_best_market_timing_precog_vs/ | financialindependence | 3m |
ikxoph | In Search of FI (Canadian Edition!) - 50 Months of detailed NW tracking + Career tactics used! [29M|225k] | I see a ton of these posts and always enjoy reading them. Since this forum is very US focused I thought I would share a Canadian's journey as I realized today I have been tracking for a milestone 50 months :)
This also includes nuggets of wisdom I have acquired along the way. These may not be true for you, but they wo... | 1,599,011,054 | 2020-09-02 01:44:14 | TA_torontolife | 66 | 14 | 0.89 | null | /r/financialindependence/comments/ikxoph/in_search_of_fi_canadian_edition_50_months_of/ | https://www.reddit.com/r/financialindependence/comments/ikxoph/in_search_of_fi_canadian_edition_50_months_of/ | financialindependence | 3m |
i75vqg | $2.3M Invested, $2.5M Goal | 32M & 32F w/ 1 Child | <3 Years to Go (Annual Update #3) | This is Annual update #3 ([first](https://www.reddit.com/r/financialindependence/comments/91j113/15m_invested_25m_goal_30m_30f_w_1_child_liberal/), [second](https://www.reddit.com/r/financialindependence/comments/cnt95s/update_2_175m_invested_25m_goal_31m_31f_w_1_child/)). I know my favorite posts in the subreddit are... | 1,597,069,929 | 2020-08-10 14:32:09 | Avocado_Smoothie | 1,603 | 451 | 0.91 | null | /r/financialindependence/comments/i75vqg/23m_invested_25m_goal_32m_32f_w_1_child_3_years/ | https://www.reddit.com/r/financialindependence/comments/i75vqg/23m_invested_25m_goal_32m_32f_w_1_child_3_years/ | financialindependence | 3m |
hnge6p | [UPDATE] Making 1M/year in very unstable job. What's the best thing to do if/before the job crumbles? | Over a year ago I made [this](https://www.reddit.com/r/financialindependence/comments/c5qftz/making_1myear_in_very_unstable_job_whats_the_best/) post.
I’ve forgotten my password (and email, I think I signed up with 10minutemail), so I made a new account. I spoke with moderator u/ivigilanteblog to verify my identity. S... | 1,594,212,271 | 2020-07-08 12:44:31 | caughtthefirebug2 | 439 | 185 | 0.9 | null | /r/financialindependence/comments/hnge6p/update_making_1myear_in_very_unstable_job_whats/ | https://www.reddit.com/r/financialindependence/comments/hnge6p/update_making_1myear_in_very_unstable_job_whats/ | financialindependence | 3m |
hmipkv | Path and lessons to 400k | I’ve never done a milestone post, but enjoy reading others and find them insightful. Plus, COVID has gifted me some time to research my 9.5 year path to $400k.
**The Basics:**
**32, single, lived in VHCOL cities** most of my career.
**Finding Motivation to Save:**
For the first few years of my career, I had a t... | 1,594,076,670 | 2020-07-06 23:04:30 | DiceGames | 100 | 83 | 0.87 | null | /r/financialindependence/comments/hmipkv/path_and_lessons_to_400k/ | https://www.reddit.com/r/financialindependence/comments/hmipkv/path_and_lessons_to_400k/ | financialindependence | 3m |
gp5ocv | Future Marginal Tax Rate Estimator | **EDIT: This tool is primarily meant as a quick implementation of the method of estimation described in the linked Bogleheads wiki page. Please read the entire page to understand the rationale behind the estimate, and even then keep in mind that it is only an estimate.**
Yesterday I posted an explanation of [why it's ... | 1,590,243,541 | 2020-05-23 14:19:01 | Ritchell | 41 | 43 | 0.8 | null | /r/financialindependence/comments/gp5ocv/future_marginal_tax_rate_estimator/ | https://www.reddit.com/r/financialindependence/comments/gp5ocv/future_marginal_tax_rate_estimator/ | financialindependence | 3m |
dmojt0 | Are you guys mainly pro Prenups? | I make a fairly decent salary while living in a relatively LCOL area in CA. I plan to save and invest a significant amount, retiring around 50-57 years old with around 3m networth roughly.
My current girlfriend isn't too financially savvy, in a low income job (she's searching for a better one), spending most of her mo... | 1,571,958,466 | 2019-10-24 23:07:46 | Throwawayacctobvi08 | 40 | 220 | 0.63 | null | /r/financialindependence/comments/dmojt0/are_you_guys_mainly_pro_prenups/ | https://www.reddit.com/r/financialindependence/comments/dmojt0/are_you_guys_mainly_pro_prenups/ | financialindependence | 3m |
cbwx2n | Add us to the list! 35m 2.4m NW, officially "done" | It took us 12 years and a very supportive wife, but we finally hit our number. Here's where we're at:
* Vanguard Taxable accounts: 1.3m (mostly VTI)
* Savings: 100k (1.75% interest, will be reducing this amount shortly)
* Retirement accounts: 260k (mostly VTI)
* Home: 720k (paid off, no mortgage)
​
My wife w... | 1,562,858,846 | 2019-07-11 15:27:26 | fireaway11 | 714 | 231 | 0.91 | null | /r/financialindependence/comments/cbwx2n/add_us_to_the_list_35m_24m_nw_officially_done/ | https://www.reddit.com/r/financialindependence/comments/cbwx2n/add_us_to_the_list_35m_24m_nw_officially_done/ | financialindependence | 3m |
c4v06z | When to actually RE? | Longtime lurker, first-time poster (this is an alt account). My wife and I are both 35 and have probably (just barely) crossed that rubicon where we are FI (\~$3m in total net worth, self-earned), but because of our age it's unclear what to do next. We're making $250k+ combined, in jobs that are satisfactory, but not n... | 1,561,407,836 | 2019-06-24 20:23:56 | im_all_fired_up | 21 | 29 | 0.7 | null | /r/financialindependence/comments/c4v06z/when_to_actually_re/ | https://www.reddit.com/r/financialindependence/comments/c4v06z/when_to_actually_re/ | financialindependence | 3m |
c134to | On the fence, can't decide whether to pull the trigger or not. | Very few people know about my financial situation and those that do just can't comprehend "retiring" at my age, so they aren't much help. Long time reader here, so thought I would try to get some input.
About me :
Early forties, single. Probably stay that way, but who knows. HCOL local, but bought in early and small
... | 1,560,638,801 | 2019-06-15 22:46:41 | firetaway | 175 | 75 | 0.88 | null | /r/financialindependence/comments/c134to/on_the_fence_cant_decide_whether_to_pull_the/ | https://www.reddit.com/r/financialindependence/comments/c134to/on_the_fence_cant_decide_whether_to_pull_the/ | financialindependence | 3m |
c0u8zo | FIREd, Sold House, Moved into Tour Bus - AMA | Background: FIREd early moved to Maui. We lived across the street from the beach. We loved island life but all of our friends were 20+ to 40+ years older than us. The reality of living the retired lifestyle is people that can go to the beach/bike everyday at 11am are 55+ and retired.
​
We decided to take a ... | 1,560,579,164 | 2019-06-15 06:12:44 | FireAndLiveEpic | 186 | 125 | 0.84 | null | /r/financialindependence/comments/c0u8zo/fired_sold_house_moved_into_tour_bus_ama/ | https://www.reddit.com/r/financialindependence/comments/c0u8zo/fired_sold_house_moved_into_tour_bus_ama/ | financialindependence | 3m |
bpzf93 | Financial Samurai net worth by age, do you believe it? | [https://www.financialsamurai.com/the-first-million-might-be-the-easiest-how-to-become-a-millionaire-by-30/](https://www.financialsamurai.com/the-first-million-might-be-the-easiest-how-to-become-a-millionaire-by-30/)
just for the record he doesnt tell anyone his real name. his net worth at 2012 is 3m and no longer w... | 1,558,142,669 | 2019-05-18 01:24:29 | dollazdrankanddank | 0 | 42 | 0.4 | null | /r/financialindependence/comments/bpzf93/financial_samurai_net_worth_by_age_do_you_believe/ | https://www.reddit.com/r/financialindependence/comments/bpzf93/financial_samurai_net_worth_by_age_do_you_believe/ | financialindependence | 3m |
bk1vf5 | Leveraging Real Estate (or not)? | Upfront tl;dr - Keep $3.3M in 3 paid off houses in HCOL area, or sell to reinvest in larger properties in LCOL areas? (or sell to invest in the market)
​
Hi Folks,
Long time lurker, first time poster!
I'm interested in getting some advice on the best way to leverage real estate, as I'll be inheriting 3 SFHs... | 1,556,840,974 | 2019-05-02 23:49:34 | FIRE-jc | 0 | 17 | 0.21 | null | /r/financialindependence/comments/bk1vf5/leveraging_real_estate_or_not/ | https://www.reddit.com/r/financialindependence/comments/bk1vf5/leveraging_real_estate_or_not/ | financialindependence | 3m |
bjrh1v | FIRED unintentionally | So last year at this time I had the bright idea to go back to school to get a masters degree. I’ve wanted to be a professor near the end of my career and thought why wait to get started on some higher learning. I was conflicted about going full time or part time. Full time would be great, no work and just focus on ... | 1,556,776,378 | 2019-05-02 05:52:58 | mlderes | 177 | 40 | 0.86 | null | /r/financialindependence/comments/bjrh1v/fired_unintentionally/ | https://www.reddit.com/r/financialindependence/comments/bjrh1v/fired_unintentionally/ | financialindependence | 3m |
bgo133 | Receiving Inheritance - Looking for Guidance | Hi all. I have been on the fire path for about 4 years now and really kicked it up in the past 2. Wish I would have started sooner, but here we are.
I have dreams of being fully FIRE, but in all honesty I enjoy working so I'm more interested in the FI portion than the RE portion right now.
I am due to receive an inhe... | 1,556,066,348 | 2019-04-24 00:39:08 | FireThrow12 | 0 | 6 | 0.45 | null | /r/financialindependence/comments/bgo133/receiving_inheritance_looking_for_guidance/ | https://www.reddit.com/r/financialindependence/comments/bgo133/receiving_inheritance_looking_for_guidance/ | financialindependence | 3m |
bb0fzj | FI on "Normal" Engineer Salary: Love/Hate for FI post | I'm a long time lurker, but I was inspired by [u/PoppaUU](https://www.reddit.com/user/PoppaUU) recent post: **Love/Hate for FI** to share my own story, as like many other people on the forum it does feel that those within a more 'normal' range do not share their experiences/plans to the same degree as higher earners.
... | 1,554,764,474 | 2019-04-08 23:01:14 | Eldorwanabe | 503 | 249 | 0.91 | null | /r/financialindependence/comments/bb0fzj/fi_on_normal_engineer_salary_lovehate_for_fi_post/ | https://www.reddit.com/r/financialindependence/comments/bb0fzj/fi_on_normal_engineer_salary_lovehate_for_fi_post/ | financialindependence | 3m |
awfaqt | FI saved my job... and got me promoted | Here is a story about how pursuing FI has helped my career. I'm in my early 30s and have around ~$500k saved. My goal is somewhere around $2-3M so I'm not close to retirement but the nest egg is a good start. I actually don't mind my work and enjoy it sometimes but my field has horrible job security which is what promp... | 1,551,511,884 | 2019-03-02 07:31:24 | Bunosjos | 2,410 | 259 | 0.95 | null | /r/financialindependence/comments/awfaqt/fi_saved_my_job_and_got_me_promoted/ | https://www.reddit.com/r/financialindependence/comments/awfaqt/fi_saved_my_job_and_got_me_promoted/ | financialindependence | 3m |
ae0349 | 45M, 5.5M - Interesting ride with a lot of hard work, obsession and luck | I truly love this sub. It’s been my dream to become FI for a very long time and I’m finally very close, if not there.
Here’s a little background:
Live; Northeast with 2 kids, 9, 12.
Wife: Teacher ($90k salary), pension $1,200/mo. when she retires. Won’t receive Social Security.
Me: Business owner ($650k salary)
D... | 1,546,988,306 | 2019-01-08 22:58:26 | patsfan2019 | 0 | 39 | 0.41 | null | /r/financialindependence/comments/ae0349/45m_55m_interesting_ride_with_a_lot_of_hard_work/ | https://www.reddit.com/r/financialindependence/comments/ae0349/45m_55m_interesting_ride_with_a_lot_of_hard_work/ | financialindependence | 3m |
9z7no0 | Start-up Life Final Update | I used to be a regular on Fatwallet Finance (now defunct). I now spend my time on subs like /r/churning, /r/personalfinance and of course this sub. I never got a chance to update my thread before Fatwallet shut down. I thought I’d post this as a final update here since there’ve been a lot of posts about start-ups, wind... | 1,542,836,406 | 2018-11-21 21:40:06 | seattlesalaries | 530 | 95 | 0.91 | null | /r/financialindependence/comments/9z7no0/startup_life_final_update/ | https://www.reddit.com/r/financialindependence/comments/9z7no0/startup_life_final_update/ | financialindependence | 3m |
9qkbtc | FIRE but for affluent lifestyle? | Been lurking this sub for awhile. Thank you for all the great content.
I’m looking for some guidance for someone who is looking to achieve FIRE within the next 5 years or so but also live a fairly premium lifestyle.
$3M (today’s value - market ughh) tied up in one tech stock. Half is vested today the other half ves... | 1,540,258,897 | 2018-10-23 01:41:37 | Firepotomac45 | 0 | 18 | 0.45 | null | /r/financialindependence/comments/9qkbtc/fire_but_for_affluent_lifestyle/ | https://www.reddit.com/r/financialindependence/comments/9qkbtc/fire_but_for_affluent_lifestyle/ | financialindependence | 3m |
9l3s4z | Can someone help me figure out if my coastFIRE math is screwed up? | I'm trying to figure out where I messed up my math, because I think I'm almost ready to move to coastFIRE, but it just seems... really early for that.
Here's my plan.
As of right now, I'm 29. I currently have about $50k in investments. I'm renting, so no house assets. My car is worth about $30k, but next year I'm tra... | 1,538,590,815 | 2018-10-03 18:20:15 | Katholikos | 0 | 14 | 0.43 | null | /r/financialindependence/comments/9l3s4z/can_someone_help_me_figure_out_if_my_coastfire/ | https://www.reddit.com/r/financialindependence/comments/9l3s4z/can_someone_help_me_figure_out_if_my_coastfire/ | financialindependence | 3m |
9il51g | Need motivation/support: Story of a completely exhausted tech guy - interested in FIRE | I came here because I felt like people here are mature enough to give useful comments. In short, I feel like I am lost. Not happy at work and at home. Very loving wife.
* So, I live in Bay area, CA. I bought a house in CA in 2016. Paid around 750k. Did addition for around 100k. Now probably worth 1.2 or 1.3M.
* Sa... | 1,537,818,217 | 2018-09-24 19:43:37 | gettingcontroloflife | 0 | 15 | 0.48 | null | /r/financialindependence/comments/9il51g/need_motivationsupport_story_of_a_completely/ | https://www.reddit.com/r/financialindependence/comments/9il51g/need_motivationsupport_story_of_a_completely/ | financialindependence | 3m |
9i7fs9 | Advice Appreciated - Current work and FI dilemma | I have been reading this subreddit over the last several years now and have not ever posted in Reddit. I read a lot of well thought out advices over the last few years and am always amazed at the helpfulness of the community. I have created another account to post this for privacy reason. I apologize this may be a l... | 1,537,698,257 | 2018-09-23 10:24:17 | GroundedLifestyle | 1 | 14 | 0.53 | null | /r/financialindependence/comments/9i7fs9/advice_appreciated_current_work_and_fi_dilemma/ | https://www.reddit.com/r/financialindependence/comments/9i7fs9/advice_appreciated_current_work_and_fi_dilemma/ | financialindependence | 3m |
97t1s3 | First Time Poster Here...49M married 3 kids 2 dogs 1 hamster | I stumbled on FIRE about 6 months ago, and have been visiting multiple times daily to read up and get inspired from everyone here- so thanks!
Goal of this post is to share where I am at today...where I want to be in 5 years...and have something I can use to hopefully keep me on track as all kinds of stuff for sure wil... | 1,534,431,808 | 2018-08-16 15:03:28 | BillThames | 12 | 19 | 0.65 | null | /r/financialindependence/comments/97t1s3/first_time_poster_here49m_married_3_kids_2_dogs_1/ | https://www.reddit.com/r/financialindependence/comments/97t1s3/first_time_poster_here49m_married_3_kids_2_dogs_1/ | financialindependence | 3m |
92vsdt | What to do with Cash as we save for house and Life Insurance for FIRE? | Hi Everyone, I've been lurking for a while and want to get some feedback about some of the choices my wife and I have been making (I am sure we're making mistakes). I want to thank everyone for what I've learned so far, we have started getting serious and understand the importance of maxing out of 401Ks and ROTH IRAs... | 1,532,880,267 | 2018-07-29 16:04:27 | Dominick555 | 0 | 12 | 0.33 | null | /r/financialindependence/comments/92vsdt/what_to_do_with_cash_as_we_save_for_house_and/ | https://www.reddit.com/r/financialindependence/comments/92vsdt/what_to_do_with_cash_as_we_save_for_house_and/ | financialindependence | 3m |
8xd8iw | fatFIRE vs. leanFIRE: What does FI mean to you? | For those waiting for $3m+ before retiring: why?
For those looking to retire on $300k: how?
I'm not here to judge. It's just fascinating that there is such a wide range of what is considered "FI" (not to mention RE-level) on this sub. The range highlights that the $1m goal many of us have is mostly arbitrary.
I... | 1,531,153,354 | 2018-07-09 16:22:34 | ellsworth92 | 353 | 416 | 0.91 | null | /r/financialindependence/comments/8xd8iw/fatfire_vs_leanfire_what_does_fi_mean_to_you/ | https://www.reddit.com/r/financialindependence/comments/8xd8iw/fatfire_vs_leanfire_what_does_fi_mean_to_you/ | financialindependence | 3m |
8t0n5n | Wife has unique ESPP set-up. Not sure what to do. | Hi,
My wife has a pretty unique ESPP plan that is sending me through a big of a loop. Here is how it works/some more details.
* Eligible to contribute up to 25% of target compensation. 10% max can be withdrawn via payroll deductions. The remaining 15% would need to be paid for in a lump sum payment via ch... | 1,529,667,457 | 2018-06-22 11:37:37 | ESPPWeirdo | 0 | 10 | 0.41 | null | /r/financialindependence/comments/8t0n5n/wife_has_unique_espp_setup_not_sure_what_to_do/ | https://www.reddit.com/r/financialindependence/comments/8t0n5n/wife_has_unique_espp_setup_not_sure_what_to_do/ | financialindependence | 3m |
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