I noticed that once my investable assets hit about $2M the compounding has gone bonkers. The value of my portfolio can increase by $100k in a good quarter. Hell it can go up by $20k in a single day. When did you really start feeling the compounding viscerally? I guess it will be different for everyone. Now that the compounding has surpassed my salary it feels real.

I’m 36, single, living in Southern Europe, and objectively in a very fortunate position, but I’m increasingly unsure what I’m optimizing for.

I work in finance in a high-paying job with reasonable hours. I don’t hate it, but I don’t enjoy it either. I’m in fundraising for a relatively new fund, and my boss has expectations I think are unrealistic. I wouldn’t be surprised if I’m fired within the next year if I don’t produce significant sales results.

Strangely, that doesn’t really stress me out. Part of me would be relieved.

My net worth is around €2.6m: roughly €1.25m in listed stocks and bonds, with the rest in real estate equity. I also receive rental income.

I spend around €36k a year, and that’s living very comfortably: big apartment, eating out often, travel, etc. Healthcare is covered where I live.

My psychological target has been €3m net worth, but more specifically I want my liquid portfolio to reach around €1.5m. At that point, my idea would be to live mostly from rental income and perhaps withdraw only 1–2% from the liquid portfolio if needed.

But I’m starting to wonder if I’m falling into the “one more year” trap.

If someone magically increased my net worth to €3m tomorrow, I’m almost certain I’d resign. The thing is, I wouldn’t really be retiring. I’ve built a successful finance content business in the past. I wasn’t very consistent because I treated it as a hobby, but it made meaningful money and I think I could revive it if I went all-in. I’d probably focus on that and eventually build other businesses around it.

I also recently became single after a serious relationship. I do want a wife and children in the coming years, but right now I’m relatively free geographically. Sometimes I fantasize about spending six months in Vietnam, traveling around Asia or LatAm making content, and just changing my environment for a while. I speak Spanish fluently FYI.

I’m also becoming more conscious of time. I’m healthy and fit, but at 36 I’m starting to notice gray hairs, wrinkles, etc. I’m not saying I’m old, but aging feels more real than it did at 28.

That makes me question whether spending another 2–3 years maximizing a number on a spreadsheet is actually rational.

The two regrets I’m trying to choose between are:

Walking away from a lucrative career too early and later realizing I gave up something very valuable.

Looking up at 42 or 45 with €4m instead of €3m and realizing I spent some of the freest years of my life accumulating money I didn’t really need.

- If you were in my position, would you keep the job for another 6–18 months, coast a bit, build the content business on the side and keep accumulating?

- Or would you recognize that €2.6m versus €3m probably won’t fundamentally change your life and start buying back your time now?

- For those who reached financial independence relatively young or left lucrative careers: what did you do, and did you regret it?

Someone just posted “What’s your number”. Now tell us how many years of your life you are willing to spend working.

So I know this is a great problem to have but I just turned 30 with a $1.1M net worth and no debt. I’m in this weird position where I can’t FIRE yet but I feel like the only thing really stopping me is time. In my eyes, the hard part is over.
While I continue to let everything compound, I’m really struggling with motivation & patience at work. It’s hard to stay motivated when I know I’ve already built a pretty solid foundation and that time is now my biggest asset. I assume I’m not the only one who has gone through this. For those of you who have been in a similar position, any advice?

So last we spoke, I was celebrating FIRE, left my job, and was going to sell my house and move to Ecuador but unfortunately, things didn't work out.

Interest rates are insane (in recent terms anyhow) so nobody is buying houses. I didn't get a single offer on my home and I even dropped the price 15%. So instead, I've had to pivot a bit and am still figuring things out. In the interim, I decided to rent my house out instead of sell it. The rent is covering my mortgage, my rent/utilities at the place I'm staying, and the storage fees as my stuff doesn't fit here.

Since I don't have the proceeds of the house sale to live on for 5 years while doing a Roth ladder, I've instead come up with a plan to use my taxable brokerage to get me from now until early 2029 (3,750/month, and again my rent/mortgage/storage are accounted for before this number) at which time I'll start a 72t withdraw (age 49 at that time) from my IRA that will get me through to 62 when my pension and social security kick. In order to bolster my taxable brokerage to cover this amount, I pulled all my contributions out of my Roth as I'm more concerned about today money vs. tax free growth in 15ish years.

Today, I took 50% of my IRA out of stocks and put it in SGOV while I wait for my roll ever from my employer IRA to my personal IRA so I can set up a bond ladder to fund my 72t.

I've also got enough saved on the side to do a mortgage recast, not refinance, as I'm currently about 2 years ahead on my mortgage; so when I do that, it will bump my mortgage out 2 more years, keeping my 2.5% rate, but my monthly payment will drop approximately $400/month (so effectively, I can give myself a 5k/year raise if things ever get dire)

Based on the bond fund I create, I'm targeting an annual coupon of 48k-60k range and will use the coupon to cover my 72t beginning in 2029. These are going to be long term bonds with equal or greater face values than my initial investment, so I'll still have the 750k even after all the payouts.

Current numbers:

Taxable brokerage: 100k (10k in SGOV for the recast and 90k sent in 15k bond tranches that mature every 3-4 months, thus creating my 3750/month).

Roth: 35k (all gains so can't touch for 13 years)

HSA: 60k

IRA: 750k (50% SGOV, 25% SP500 ETF, 15% Small Caps ETF, 10% International ETF)

House: ~750k, 92k mortgage at 2.5%, 1,800/month

Rental Income: 2,800/month (covers mortgage, my rent, utilities, and storage fees)

Healthcare: probably not going to have it this year as I haven't needed a doctor in several years and feel ok rolling the dice for a year or two to keep expenses down. Edit - looks like I'll most likely qualify for free healthcare for the first 2ish years based on my income level being below the limit until I start the 72t.

Other expenses: No including mortgage/utilities/rent/storage (since that is all covered by my rental income for at least the next 12 months), last year I had an additional 28k in expenses so ~2,300/month. This should easily be absorbed by my current 3750/month bridge I have built.

Pension and SS: 50k starting in 16 years.

Long time lurker, first time poster. 34F & hit $1M today!

Can't tell anyone besides my husband, but wanted to thank you all because I've learned so much from your posts!

Mix is ~65% investments, ~30% 401K, ~5% high yield savings/cash. Live in a HCOL area, but have been very lucky to hunker down in a studio with no change in rent for the last decade. Began my 401K in 2016 with an income of ~$45K/year. Paid off all my school loans & was able to start investing in 2019. Now my salary is at ~$185K/year. Although my salary has multiplied over the past decade, my annual spending has only gone up $5K.

My goal is to hit $1.6M by 45 and BaristaFIRE by launching my own part-time consulting business at that point. Will recalculate FIRE # after having our first child within the next couple of years.

Umbrella insurance is extra coverage beyond what is covered by auto, homeowner, etc. I think around $300k I decided to get one. Curious if others got one sooner, or maybe waited until they had like $1+m? Any recommended guidelines?

Current job only offers 403B/457 accounts for retirement which is nice putting away that much but recently I was offered a job that has a 403B/457 option PLUS a TCDRS pension plan.

The TCDRS is a 5% automatic contribution, guaranteed 7% return rates, vested at 8 years and matched at 200%.

It would be an insane jump on the road to retirement being able to have all three retirement options alongside a ROTH IRA. Has anyone heard anything about systems like these? Are they reliable? A no brainer?

Current numbers have me at 2.4 million at 53 not including 403B/457.

Income (salary) would be $168/hr.

I'm trying to decide how to manage MAGI to get some aca subsidies (below 60k/year), and do roth conversions. Single person retiree

I have between 54 and 67 (SS) where I can make a dent in my 401k balance to do roth conversions (currently 1.6m 401k), but if i want to keep the aca subsidies, i can make fairly small amount of roth conversions every year.

How would one think of this to best optimize. i don have a decent amount of post tax / cash to pull from prior to 59.5

And another question is, after 59.5, i was thinking there's less need to do roth conversions as i can just pull out 401k spend and it would be the same thing?

My overall impression is most folks in /r/FIRE are "pro" renting. Owning a house comes with so many challenges (maintenance, for starters). And while the math probably works fine for most people, what about in places like San Francisco? If you haven't heard, rents are insane right now. Unless you are in rent controlled unit, rents can increase 30% over night. I'm guessing no one can really FIRE if their core expense can suddenly increase by 30%. Any type of safe withdrawal and assumptions about COL goes out the window when housing can go up so much in such a short period. So in places like SF, it seems the only way to FIRE would be to own your own place. Thoughts? How are renters in high volatility areas handling it?

I'm talking the grand total tax rate that you paid on your LTCG.

For example, the Federal government taxes a portion of our LTCG at 0%, 15%, 20% etc. If you go over 200k in income in that particular year, anything over that also gets the N.I.I.T (Net Investment Income Tax) that adds another 3.8% on top.

Then, depending on your state, it's going to tax it a certain way as well. I'm just wondering what grand total did you have to deal with?

Hi everyone, I’m sharing this because I’ve been reading a lot of FIRE stories and advice posts, and I wanted to offer my two cents.
My wife and I both come from low-income families. We had to put ourselves through community college, and I worked two jobs for a long time. In 2010, I graduated with my associate's degree in drafting. My wife then went back to school to get certified as a dental assistant. However, the pay wasn't enough, so she went back again to become a dental hygienist, graduating in 2015.
Once we were making decent money, our first priority was paying off her $20k in student loans. Back in 2016, we dreamed of moving away from our small city to Austin or Denver, but we stayed put because of our families. We're very close to them, and my mom relies on me financially for the most part. So, we did what we had to do and stayed in our hometown.
In 2018, I discovered FIRE. I knew I didn't want to work my whole life just to buy material possessions, so we made a plan and started investing through Vanguard. But first, we wanted to pay off our mortgage. In 2018, my wife made $75k, and I earned a similar income. Since our house was $118k, we were able to live on just one income for two years to pay it off completely. After that, we poured our extra cash into VTI and VXUS (an 80/20 split).
After years of grinding, we made a massive decision in 2024. We had always talked about moving but never took action, so we decided to take a sabbatical to change our lives. The plan was to travel through South America for a year and then relocate to Austin, Texas. But as they say, you can plan all you want, but life determines the destination.
We got incredibly homesick. After eight months of traveling and seeing breathtaking places like Patagonia, we realized we deeply missed our family, our friends, and our old routines—I even missed my job. So, we decided to head back home to pause and regroup.
That marked the beginning of a very heavy year. Shortly after we returned, my mom was diagnosed with cancer, and I stepped in to help her fight it. Since U.S. healthcare is so expensive, we decided to take her to Mexico for treatment. Since we are originally from there, I knew how the system worked and how to navigate things. We secured a spot at a great hospital where they successfully removed her tongue cancer. She is 70 now and doing much better.
Not long after, my best friend passed away last August, and then our dog of 15 years passed away as well.
I’m sharing all of this because I don’t fully know how to process everything, and it's hard to open up without feeling judged. To make matters trickier, a lot of people back home know that my wife and I are financially independent now. That was a big mistake on my end—never tell people about your financial situation, because you never know how they will react or treat you differently. Even though I know we are doing fine, the trauma of that past year has left me feeling a bit anxious and stressed about money lately.
Now, we are back in our hometown. We bought a new house for $198k in cash and are currently remodeling it. My wife got her old job back as a dental hygienist working four days a week, and I’m back to work as well. I’m 40 and she is 38.
It’s time to get back to business and set our goals for the next five years. Here is where we stand today:
Brokerage Accounts: $480,000
401(k) Accounts: $460,000
HSA: $95,000
Home Equity: $197,000
I’m writing this post so I can look back on it in five years and see how far we've come. I also hope it motivates anyone feeling burned out on the FIRE journey or overly worried about the future. Life is unpredictable. Money is a powerful tool that can help solve many problems, but it can’t fix everything.

It doesn't cost you anything extra to use a broker. The insurance company you choose pays the broker.

I just applied and got insurance and a subsidy through ACA. I've been a contractor my whole career so I have bought insurance many times. It's an extra step if you want a subsidy from ACA-- there's an ACA application to fill out. It asks a lot of poorly worded questions.

Sadly I've found in the past that the people working for ACA are as dumb as a box of rocks. If there's a mistake or misunderstanding in your application, you cannot edit it yourself.... but a broker can. Calling the ACA helpline is not gonna go well... much better to call a broker.

I got a denial, and was almost in tears thinking I had to talk to the people at ACA.

I don't want to turn this into a commercial for a company, but if someone wants to know what company I used I can tell you.

I’m currently 40.5, single, no kids (and not planning any), and thinking of FIREing in my early/mid-40s.

I’m interested in how people would think about the tail risks of a potentially 50+ year retirement, particularly sequence-of-returns risk, permanent renting and possible long-term-care costs.

My target spending would be around £40k a year in today’s money, which would equate to an initial withdrawal rate of roughly 2% from the accessible portfolio, before taking my pension into account.

I estimate around £20-–25k of that is genuinely essential spending. The remainder would be discretionary - nicer accommodation, more travel, purchases, etc. - so in a bad market I could potentially reduce spending significantly rather than blindly increasing £40k with inflation every year.

The basic plan

I’m considering selling my house when I FIRE and investing the proceeds rather than buying another property. My original assumption had always been that I would sell my home here, retire abroad and buy my home there outright with no debt (original target FIRE number was £2mm with a paid off home, excluding pensions). I’ve seen a lot of people on FIRE forums who seem to think along similar lines with regards to having a paid off home. However, I’m considering moving to SEA where rent is cheaper which led me to ask myself if renting indefinitely would be a better option, but for some reason the idea of renting for the rest of my life makes me quite uncomfortable, even though I recognise that financially it could make sense. Buying would tie up a substantial amount of capital in a non-income-producing asset, whereas renting would leave the full portfolio invested and give me more geographical flexibility.

In round numbers, if I sell my house next year I think the accessible investment portfolio might be somewhere around £2m (at current equity market levels, obviously this could change quite a lot in a short space of time), excluding pensions. I also currently have around £450k in a SIPP/workplace pension, invested 100% in equities. I’m 40.5 now and should be able to access that from age 57. I’ve excluded the UK State Pension entirely because I’m not certain what I’ll ultimately be entitled to and would rather have the plan work without relying on it.

The proposed accessible portfolio would broadly be:

• 80% global equities
• 20% short-duration fixed income MMFs / government bond ladder (split 50:50), expected to be funded with ~55-60% of the estimated sale proceeds of the house
• no debt/leverage
• The pension would remain 100% equities and compound separately until it becomes accessible.
• Monte Carlo modelling

I initially built a normal spreadsheet using constant annual returns, but that didn’t seem very realistic for a 50-year retirement since it ignores sequence-of-returns risk so I started experimenting with Monte Carlo modelling using 1000s of 50-year return sequences. The assumptions I’m currently using are:

• Equity volatility: 15%
• Fixed-income volatility: 5%
• Equity/fixed-income correlation: 10%
• 50-year planning horizon
• Spending rises with inflation at 4%
• £20k real annual essential-spending floor
• Pension compounds untouched until age 57
• Deliberately conservative tax assumption whereby money actually spent/remitted for living costs is taxed

I tested three long-run real-return assumptions:

Low/stress case

• Equities: 2% real
• Fixed income: 0% real

Middle case

• Equities: 3% real
• Fixed income: 1% real

Higher case

• Equities: 4% real
• Fixed income: 2% real

I also tested different spending policies. Under the most flexible policy, if the real value of the portfolio declines sufficiently, spending progressively falls from the £40k target towards the £20k real essential floor, and then rises again if the portfolio recovers.

For a roughly £2m accessible portfolio plus the £450k pension, assuming £40k initial spending but allowing discretionary spending to be cut progressively towards a £20k real floor during poor market periods, the approximate 50-year survival rates were:

• Low 2% / 0% case: ~87%
• Middle 3% / 1% case: ~95%
• Higher 4% / 2% case: ~98%

The low-return result is what I’m struggling to interpret. On the one hand, 87% sounds quite low for something as important as not running out of money. On the other hand, this assumes equities only return 2% above inflation and fixed income returns nothing above inflation over an extremely long period, while also allowing for unlucky sequencing of returns. The failures also appear to happen relatively late rather than in the first couple of decades. So I’d particularly appreciate views from people who understand Monte Carlo analysis better than I do:

1. Are these real-return and volatility assumptions reasonable for a 50-year FIRE plan? Is 2% real equity / 0% real fixed income a sensible downside case, or is it excessively pessimistic over half a century?
2. What Monte Carlo success rate would you personally want before FIREing in your early 40s? Would you consider ~95% under a middle-case assumption adequate where spending is genuinely flexible? Would you want 99%+? Or does trying to make a portfolio survive essentially every conceivable 50-year return sequence just lead to massive over-saving?
3. How should I interpret the ~87% stress-case result? Would you see that as evidence the portfolio isn’t large enough, or is it reasonably reassuring that the plan still works in the large majority of simulations despite assuming extremely weak real returns for 50 years?
4. How much value would you place on spending flexibility? My thinking is that £40k is the desired lifestyle rather than an unavoidable annual liability. If markets were terrible, I could progressively cut discretionary spending towards £20k real rather than continuing to withdraw £40k + inflation. Does that seem like a reasonable way to manage sequence risk?

Renting indefinitely

I’m also interested in hearing from people who have FIRE’d while renting. If you had an approximately 2% initial withdrawal rate and a separate pension, would you be comfortable renting indefinitely in SEA, or would you still strongly prefer to ring-fence a significant amount of capital to buy a home outright? For anyone who chose to rent long term after FIRE:

• Did the lack of housing security bother you?
• Did that feeling disappear over time?
• Do you regret not buying?
• How do you think about rent inflation or potentially having to move later in life?

I suspect some of my discomfort is psychological rather than financial, but I’m interested in whether there are risks I’m underestimating.

Long-term care

The other thing I have difficulty incorporating is long-term care. I don’t know whether either of my parents will eventually require significant care, how much I might want or need to contribute financially if they do, or whether I myself might need expensive care later in life. It seems like an unusually difficult FIRE expense because the answer could be £0 or a very substantial six-figure amount.

How do people generally deal with this? Do you maintain a separate long-term-care reserve, rely on having a substantial portfolio remaining later in life, assume other spending declines significantly at advanced ages, buy insurance where available, model a large one-off expense, or simply accept it as an unquantifiable tail risk?

I’d particularly welcome criticism of the assumptions/plan rather than reassurance. I’m trying to work out what I might be missing or what assumptions may be wrong before making the jump.

About me: 36M from Southern Europe, currently living in Switzerland. Looking for an honest assessment of my FIRE plan.

Current situation:

- ~$2.3M invested: 82% VT / 10% Bitcoin / 8% cash

- ~$257k in employer pension fund (all values are converted to USD though my reference currency is CHF)

- Expenses: $50–60k/year, all-in

- No debt

- Investing ~$4k/month into VT + Bitcoin

- Pension contributions: ~$2.5k/month combined employee + employer (65% employer rest me).

Also, social pension so far starting at 65 yo is 900 usd per month.

My pension has historically returned ~4–5% annually and is CHF-denominated. It also has statutory protections/minimum-interest rules (min 1% return even in years where markets go negative), so I consider it the conservative part of my portfolio.

The 8% cash came from a house sale. ~70% is CHF cash at my broker and the rest is EUR in XEON.

My goal is to FIRE within the next couple of years, or earlier if I lose my job. I expect expenses to fall after FIRE because I'll leave Switzerland. Southern Europe is the priority, but I'm also open to Southeast Asia or Latin America.

I'm in a country with no capital gains tax and ~25% dividend tax. I use US ETFs like VT because I can reclaim the full 15% US withholding tax.

The Bitcoin position is ~10 years old, so it's essentially all profit. I'm open to reducing it when I FIRE.

What would you change? What would you do with the cash and allocation?

Also, i dont want kids, just a partner.

This is a relaxed hangout thread for the FIRE community to chat with other FIRE-minded folks without having to publish separate posts. This is the place for brand new people to get their feet wet as well as for lurkers who have questions or comments, but do not want to create posts of their own.

All of the sub rules apply in this thread as normal with the exception of the off-topic rule, which is relaxed to the extent that people don't go wildly off of the reservation.

We are putting this up as a trial to see if it is worth keeping this as a permanent feature of the sub. Participation is entirely voluntary and anyone who wants to create a separate post of their own rather than posting in here is free to do so.

Ages: 38 & 36

HHI: Started at 70k in 2014 and peaked at 175k earlier this year.

Numbers:
1.7m NW with 1.3m in retirement accounts.
Yearly spend varies between 65-75k, that includes the mortgage.

Currently at 1 income of 110k while the other person figures out what they would like to do next. All of our yearly saving has been in retirement accounts mostly traditional 401ks. Ideally the one person would continue to work full time until the remaining debt of a 50k mortgage is paid off and then drop down to part time at about 15-20 hours a week. Hopefully in the same job, but may need to search around if that is not approved by the company.

The question I have is if anyone decided to FIRE and take the 10% penalty. Basically factoring in that 10% as a yearly expense.

Thanks!

Long-time lurker, first time posting. My spouse and I are both in our early 40s with a toddler. We think we are pretty close to the point where my spouse can step back from work within the next few months, while I keep my W-2 job for another 1-2 years (at most) for health insurance.

Our details:

• Invested: ~$1.85M
  • Taxable brokerage: ~$800k
  • 401k / IRA / Roth / HSA: ~$1.0M
• Cash: building toward ~2 years of expenses
• House paid off, MCOL city
• Small multi-unit rental with a low mortgage, nets ~$24-33k/yr (varies depending on repairs/renovations)
• No other debt

Spend is ~$60k/yr before travel, and that already covers carrying the paid-off house. All-in our spend is realistically $70-95k depending on how much we decide to travel. We split the year between here and a lower-cost country where I have family and citizenship. We are paying for daycare which is expensive but temporary (and unneeded if my spouse steps back) - so I have left it out of our annual spend numbers.

Two additional considerations:

• My spouse very likely qualifies for a federal disability benefit due to a longstanding medical condition, ~$38k/yr, our kid would get half of that if approved. I am also likely to qualify, although we aren't banking on either. The plan works without it (the $1.85M is ~90% of our target, not including disability benefits). If either/both of us qualify, we're living solely on income and barely touching the portfolio.
• Healthcare is a little tricky. Since we are a family of 3 our goal is to keep our MAGI around $50k to qualify for state-provided health insurance or rely on ACA subsidies if our MAGI is higher.

Are we really as close to FIRE as we think? And, is 3.3% too aggressive for a 50+ year horizon? We figure that income from the rental will go up as we pay off the mortgage plus social security down the line, so the biggest risks are in the first few years. Plus we could always travel less in a bad year. Is a 2-year cash buffer enough?

What are we not seeing? What are we not thinking about? It feels a little unreal to be so close to our target, which is why we wanted to get some outside perspective.

53 single M, want to fire in 4 years once youngest is 18 and in college.
Since I have insurance sponsored by work, I would like to know if there is a list of things I should get checked for and addressed before I fire.
Hoping this question adds value.

Take away;
Colonoscopy
Full MRI
Eyes checked - I’ll check if lasik is covered
Dental work.
Vasectomy- not covered but in case there are complications.
Any generic illnesses eg Alzheimer’s, osteoporosis
In general I’ll get all aches and pains checked out. Maybe let the doctor know you are retiring and want to check on things.

Something I’ve been thinking about lately.

A lot of FIRE discussions are naturally focused on our number: how much we need, when we can stop working, what withdrawal rate makes sense, etc.
But for those of you with kids, do you also have a separate financial target for them?

Not just paying for university or helping with a first car, but actually trying to put them in a materially better financial position than you were at their age.
And if so, which goal comes first?

Would you work another 5–10 years if it meant your kids could start adulthood with a house deposit / investment portfolio / meaningful safety net?

Or at some point do you say: I’ve given them a strong start, the rest is up to them, and prioritize your own FIRE?

For me, I only started fueling my own FIRE ambition hard once I felt the kids were more or less financially secured. They’re 4 now and I’ve effectively set aside around €250k for them.

Obviously there’s a huge amount of time between now and adulthood, and money isn’t the same thing as raising capable kids, but psychologically it changed things for me. I now feel much more comfortable optimizing for my own freedom.

I’m curious where other parents draw that line.
Do you have a specific “enough for the kids” number?
And perhaps the more interesting question: if you had to choose between retiring earlier yourself or giving your kids a significantly stronger financial starting point, which would you choose?

I am on my 40s, and I guess I am a case of ”almost there”. Simulations tell me I am a bit over the 4% rule. I could adjust a bit I guess, but having a family it could well be that they can adjust me instead.

However, I can’t stop reading all those who pull the trigger and they say they are very happy. I am not happy while grinding, but I don’t want to be financially irresponsable with my family. We also don’t have a house, which I feel I should secure to prevent future problems.

For all of those who did it a bit tight: did it pay off?

We live in one of the most VHCOL Cities. Spending is tricky but just to be safe let's call it at $150k/year now - I expect it to decrease to $120k/year in next year or so.

2025 AGI was $320k but we max out 401ks, HSA, FSAs, etc. so it's closer to $400k in reality.

Top-Line Numbers

• Total Net Worth: $2,369,218
• Financial Independence Assets (Investments/Liquid): $1,928,515
• Total Liabilities (Mortgage): -$359,297

Real Estate

• Primary Home Value: $800,000
• Mortgage Balance: -$359,297

Retirement Accounts ($1,405,206)

• My 401k, HSA, & IRAs: $963,235
• Wife's 401k & IRA: $441,971

Taxable / Non-Retirement ($523,309)

• Brokerages (Combined): $468,940
• Crypto: $30,670
• Gold: $8,900
• iBonds: $11,500
• Cash/Checking: $3,299

529 / Custodial ($75,531)

• 529 Plan: $29,279
• Custodial Account: $46,252

I get probably 8% of compensation 401k match from employer.

I also have a small pension I'll be getting from my company at $13k/year starting at 62. If I stop working at 50 and claim SS at 70, my annual benefit will be $55k.

Investments are mostly VTI/VOO but some Google and other tech that are probably 15% of total.

How are we doing?

AI keeps telling me I can retire in 5 years and it doesn't seem right.

edit: Wife doesn't want to retire but I do, so she'd probably keep working and bring in $150k regardless of what I do until our 50s. But it will leave us without insurance which we'd need to budget for.

Mine is $3M

Edit: add your age and current status for more context. I’m 36 at $1.9M invested.

Would 2 mil liquid (50% in brokerage and 50% in retirement accounts) plus a paid off home be enough for your household to retire early (before age 59.5)? I know there are many factors in play here - just trying to get a general idea of how the Fire community feels about this level of wealth.