- So much respect for people who work 25+ years
29m/610k invested in global ETFs (low salary I just live with family). I’m only 6 years into software and wow am I already dying to get out. Perhaps it’s just a rough period but this shit...
813 points222 comments3 d ago
- Few are immune to lifestyle creep.
Not a question, just an observation. I work in technical sales and have a team of guys that report to me. Some of the sales guys are your typical kind of sales guy. Make a lot. Spend a lot. Big...
769 points317 comments3 d ago
- A healthy dose of perspective
I’m 56, single, no children and zero dependents. My annual spend is 50 to 55k. Following this week’s market drop I have a little over 2.6 million available to me. 401k: approx 2 million...
595 points68 comments3 d ago
- If your portfolio is down more than SP500 and you are near fire recently, you need to reconsider your portfolio makeup.
your portfolio might be too concentrated in one industry, making your FIRE at risk. Time to \\\gradually\\\ adjust your portfolio. Key word is gradually.
216 points233 comments6 d ago
- How much adjustment does 4% rule need for a 35-40 year retirement timeline?
Given the “Rule of 25” is for a 30 year retirement, how much would you reduce the “4%” withdrawal rate based on a longer timeline? And would you creep back up to “4%” at some point near that 30...
147 points293 comments3 d ago
- The math of "one more year" - on the back side (health/longevity)
A little back of the envelope math time here. Coincident with reaching near-FIRE (half time last year at 45) and now full-FIRE (46-47), I also got myself into shape. No shame in saying it, GLP-1...
127 points44 comments3 d ago
- Can I quit for a year to travel?
Lifelong dream of backpacking the world. 35, male, single, 800k net worth (58.2% ETFs, 19.4% crypto, 15% 401k, 6.1% cash, 1.2% car). 8 years in corporate (tech consulting). I'm tired of working, I...
114 points166 comments2 d ago
- Psychological support
Retiring in two weeks at 56. My partner will continue to work by choice. Yesterday, I told him that I was scared - having flashes of panic-fear as the date grows closer - specifically about not...
104 points24 comments6 d ago
- Pay off 50% of our mortgage or put $280k into VOO? Looking for FIRE perspectives
My wife and I are in our mid-30s with two young children, working remotely from the Alps in secure but demanding tech jobs. We earn exceptionally well for where we are, but our salaries would not...
91 points207 comments4 d ago
- Anticipating layoff, should I continue maxing my tax-advantaged accounts or save more for a sabbatical?
I've survived two layoffs at my tech company. However, I sense a third one after retrospecting on the signs of the first two. I've been lucky so far, but who knows if my luck will run out on the...
72 points52 comments4 d ago