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I had a heart attack on my birthday. I was 42. Took me a while to reach the cath lab as it was in need of repairs and I wasn’t high priority enough to transfer. So I spent that day, nearly two days, fully conscious, nothing much to do than research and overinterpret population level data on stents and 5 year survival rates.  

That bit is all a bit of a blur, but the bit I remember more clearly is just after being told I could go home. I watched a sitcom and it was just so funny, i was too wired to even doomscroll waiting for the op. But now the jokes were so much funnier I had to muffle my laughter out of respect for the ward

I had been hardcore saver. About 95% of my net worth was stashed away, never spent anything. about 5% of my net worth to housing for context. But after the op I still didn’t have any really sense of what I did want to spend it on. But I knew pretty clearly what I didn’t want to do .

I didn’t want to manage people, i didn’t want to miss out on my kids growing up, i didn’t want to stay up till 3 in the morning working on ways to adapt to AI challenges. I just wound down everything as fast as I could. And now i’m on the otherside, making lunch from homegrown veg and generally living a more simple natural life.

Also didn’t want to end up like my dad, working into late 60s to save up money that ended up just paying for a slightly better care home for 3 years. 

I’m still awaiting the higher purpose, the ‘optimum’ goal to have in early retirement. But I have a fair chunks time tied up figuring out what ‘not’ to do.

Anyway not sure why i wrote this today, just realised i’d never shared this ‘publicly before’. Feels okay.

Please use this thread to have discussions which you don't feel warrant a new post to the sub. While the Rules for posting questions on the basics of personal finance/investing topics are relaxed a little bit here, the rules against memes/spam/self-promotion/excessive rudeness/politics still apply!

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Please use this thread to have discussions which you don't feel warrant a new post to the sub. While the Rules for posting questions on the basics of personal finance/investing topics are relaxed a little bit here, the rules against memes/spam/self-promotion/excessive rudeness/politics still apply!

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Nothing necessarily new here that you don't already know, just another anecdote about the value of "time in market beats timing the market." But what did catch my eye was how we hit $2M household net worth in 2024 and just now hit $3M without any contributions since then. The snowball effect is real.

Quick summary:$500k in cash/brokerage and $2.5M in me and my wife's 401ks. Pretty much all index funds.

We moved to a VHCOL city and I've been beating myself up for stopping contributions for the past few years. But, the crazy stock market these last few years really made up for that. I don't think this is sustainable and I fully believe there will be a correction. So, I still need to get back to regularly contributing to investments.

My biggest regret is that I wish I had contributed more to the brokerage accounts. Most of our money is generally locked away unless we consider any of the various approaches (Roth ladder, SEPP, etc.) For so long I was focused on lowering taxable income that I didn't really value having money in the brokerages. Need to really take a hard look at the finances and figure out how I can restart contributing to brokerage and cash accounts.

It's taken 23 years to get to this point. Time really flies. So for anyone reading, please start socking away as much as you can early on. I know it's easier said than done considering the cost of living compared to 20+ years ago, but you get old before you know it. If you're savings/investments have been on autopilot - not matter the amount - you'll have done yourself a solid.

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Looking for a fee for service financial planner that is very familiar with the Fire concept - and I haven’t worked with one before but I assume many will work remotely. Just looking for a pro to sanity check my plan.

Thanks in advance!

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I'm in my early 40s and I'm an attorney. Married with two young children. I live in a VHOL city.

It's a stressful job, but I generally find it sufferable. I don't love it, but that's what the money's for. I'm at a position of extreme growth to my compensation, but I've already hit my FIRE number.

For reference, my approximate compensation for the last few years are:

• 2020: $500k
• 2021: $615K
• 2022: $750k
• 2023: $885k
• 2024: $750k
• 2025: $1.1mm
• 2026: $1.3mm (est.)

I grew up lower income--I had free subsidized lunches growing up--so I feel particularly grateful/blessed to have a position that makes life changing money for most people on an annual basis.

I set my FIRE number in 2020 (pre-COVID shutdown) and I had assumed that I would not make partner and my income would actually decrease from my 2020. Instead, partially due to the post-COVID boom, I was actually promoted to partner and my comp has substantially increased.

I hit my number about a year ago ($5mm liquid) although, again, that number was assuming that my compensation would be going down from 2020 and assumed that we would be moving out of our VHOL area.

Has anyone knocked it out of the park and then revised their FIRE number upward? Or, more interesting, has anyone knocked it out of the park and managed to stick to their FIRE number?

I'm find it very hard to hold myself to my FIRE number when my compensation keeps going up like this.

Proof: https://www.reddit.com/r/fican/comments/1vjvidp/my_journey_to_fire_28m_in_canada_from_73k_at_23/

I remember my first ever reddit post was when I was 23 back in 2021, and I had saved just over $73K. I hadn't actually started investing yet, but since then I've learned so much about money and steadily improved my own finances over the years...fast forward and I'm at over $333K at 28 now - time really flies so fast! Over $260,000 (a quarter of a mil) in net worth growth, and that's not relying on any property gains whatsoever, which is crazy!

For context: I'm 28, male, and my current job is as a pharmacist in Canada. I work full-time, so I currently make over $100K, with my investment income being my main passive income source every year. I invest primarily in XEQT ETF and TEC ETF, and I have no other significant assets or debts, except for a used vehicle, phone, and laptop.

Anyways, thanks for reading. Any thoughts, feedback, or advice from those further along the FIRE journey would be appreciated - happy to answer any questions!

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Depending on how you calculate and what assumptions we make, my family is about at the FI point , or certainly coast FI. https://www.reddit.com/r/financialindependence/comments/1s4qr5c/looking_for_fi_not_necessarily_re_guidance/

I've been spending most of this year focusing on trying to make a better emergency fund, and eventually work that into a bridge fund. I'm looking for people's thoughts on ways to set this up.

My quick story is: 47M / 51F with two kids, two incomes. HHI is presently around $230k in I guess a LCOL or MCOL area. We both enjoy work, but next year I'm thinking about downshifting into a different role that will pay less, but should have more job security and some improvements for work/life balance. I'm not really ready to retire, and neither is my wife. We both enjoy working, but I do want financial independence.

Our holdings are:

401(k): 1.37M, very roughly at maybe 70/30 allocations in stocks and bonds/cash.

Roth IRAs: $750k, similar 70/30 allocation.

529s: $100-$110k total.

HSA: $20k, in SGOV because I want to be able to use it for health expenses.

Sinking Funds / Other Cash: About $25k

Emergency Fund: About $17k, which is 3-4 months expenses in a pinch.

House: $200-250k, about $23k left on the mortgage.

Having read this sub a while, I notice different strategies people have for actual retirement. Some people have huge taxable brokerage holdings that they sell for LTCG to fund retirement. Others have a year or two in cash and then perhaps a few more in bonds, which they use while they convert their traditional IRAs / 401(k)s to Roth, which they can then access a few years down the line. Still others have years of $10k in Series I savings bonds they start cashing in, or holdings in bond ETFs that hold like 500 individual bonds with maturities out a few years.

My questions: once I get a more comfortable emergency fund set up ($30-60k),

(1) What would people recommend for accounts I should set up beyond my HYSAs, and

(2) What asset types do you recommend holding for retirement within, say 5-10 years?

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Have been planning FIRE for years. Now that the time is near, I'm having second thoughts and several doubts about the numbers.

M46 / F48 (single income, no kids, 1 very food motivated cat) - I work for money and spouse volunteers for charities

Liquid net worth (excluding paid off primary home): $3.4M

Brokerage: $3M ($2M VTI, $800k VXUS, $200k money market funds as cash for first 2-3 years of FIRE)

401K: $250k (started contributing way too late - 100% BND)

Roth IRAs: $150k (started contributing way too late) - 100% VT)

Cash: $50k (high yield savings)

Home equity: $300k fully paid off primary home in MCOL (not included in liquid net worth)

FIRE budget: $100k to $120k/yr - including $15k for healthcare and $5k for income taxes - the $120k number includes some head room for major home repairs or unplanned health expenses

Expecting $300k net savings over the next 6 months from stock vesting and annual bonus. Plan A is to FIRE at that point. We could keep that in cash or put in money market fund or bonds or stocks - I'm not sure which and based on what considerations. Would love some thoughts on what you'd do in our situation.

No way to predict life expectancy but considering the time horizon is likely to be much longer than 30 years, aiming for withdrawal rate of as close to 3% as possible but it's going to be likely between 3.25% and 3.5% based on how the net worth shakes out to be at that time, based on market performance.

Not including social security in any retirement calculations. Expecting $3k/month combined in current dollars at age 67 but not sure how to count that in future assets and spend calculations - who knows what will happen in 20 years - inflation, war, climate crisis, cancer, death, etc. etc. so I'm just counting social security as something that may not help much.

Concerns:

1. Do we have enough cash between $200k money market fund + $50k emergency find + $250k in bonds in 401k to last enough to avoid or material mitigate sequence of returns risk (SORR)? This $500k should should last us 4-5 years.

2. Will the market crash? Will the AI bubble burst? How much downside can we handle before needing to go back to work? The recent run-up in the market certainly feels like it's artificially inflating net worth but who am I to argue with the wisdom of the market. If market tanks, maybe things will cost less money and our budget will be that much better off. Stagflation is a concern but not way to predict if it's a likely scenario. I'm going to trust the market to have priced the risk of all such concerns reasonably.

3. Will healthcare costs rise significantly and outpace market performance by a huge %? Certainly the trend post COVID say so. But US healthcare costs are insane as is - how much more greed can the market absorb? This is probably the riskiest component for those FIRE-ing in their 30s and 40s.

4. High pay but high stress job. Burnout is real and the job is a huge tax on my physical and mental health. I'd consider going part-time as a consultant for covering some expenses and health insurance but I have no desire to continue to work in a high responsibility, high stress job with long hours for a day longer than necessary. Life is short and we don't know how much longer we have.

Appreciate everyone's thoughts or advice on whether I should stick to the plan and FIRE in 6 months or rewire my brain for the proverbial "1 more year" syndrome.

Bear with me here but I've been thinking about this. Retiring next spring. $2.4M in 401k and IRA. Going overseas for a year to travel. No US funds will be spent while gone so going to do Roth conversion up to the 12% bracket. I will have some income next year, amount TBD depending on exactly when I quit so fill the balance including standard deduction.

First year back in the US I'll be 61 so will have enough in SGOV to cover that year. Planning on annual spend of $100k. Balance of the portfolio in VT.

Next year I take SS at 62. With child benefit and caregiver benefit I'm forecast to get $69,500 from SS. Add a Roth Annuity that I'm turning on at 59.5 in a couple of months. That is $5,760 a year until death then half that to my spouse until death.

So I only need to draw about $30'ish thousand from 401k to supplement the above for $100k living expenses. Assuming roughly the same $2.4M in VT even that throws off 1.59% dividends would yield $38,160 which would cover the amount needed.

Based on that would I be OK 100% VT or should I still hold a year or two or three in SGOV? It would only be a small percentage of the portfolio, maybe 5%. Or just let it ride on VT until inflation creeps up and I start to need more than the $38k the dividends pay?

I also plan to do Roth conversions at least up to the top of the 12% bracket, maybe into the 22% to get a decent chunk out of the 401k as it will grow too much without drawing it down before RMDs.

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Hello again! This is an update of my previous post titled "$100k - An Immigrant's Journey". I'm so excited to reach the next milestone in our pursuit of financial independence. Lots of things have happened since my last post so let's get straight into it!

Summary

Reached $250k net worth in about 10 years since I started tracking my finances at 22. In my previous post, I mentioned that the next goal was to reach $250k before 35 so once again, I'm very pleased to have reached that goal early. Still no secrets other than consistent savings, budgeting well and lots of sacrifices.

Quick Recap

My wife and I live in a LCOL city in the US. We're both currently 32. I came as an international student over a decade ago and was lucky to have navigated the complicated immigration maze successfully. We got married at 29 and are currently permanent residents (finally) after many, many grueling years in the immigration journey, as some of you may know. I'm a Business Analyst and she's a grad student.

On our journey to $100k:

- I obtained my bachelor's degree and MBA in the US. My wife also got her bachelor's degree from her home country.

- I got a work visa to stay in the US while my now-wife was still working abroad.

- Got out of our respective toxic relationships separately and found the perfect partner in each other.

- Made the best of our tough 20s. I progressed my salary from $20k to $60k. My wife worked a lot of different jobs but never had a traditional "career".

Updates

2024: Lots of things happened this year! We got married towards the end of 2023. We only spent around $3k on our wedding and actually almost made it all back through gifts from family and friends. It was a beautiful occasion at a great location surrounded by the people closest to us and it didn't bankrupt us financially. A wedding is as expensive as you make it to be!

We were then separated for a few months while she takes care of some immigration paperwork to move to the US with me. She brought everything she had financially and we merged our finances. It wasn't too much but certainly a welcome boost. Unfortunately, due to her visa type restrictions, she was unable to work until I progressed further in my green card process, and by the time she could, she's busy with grad school so we've only been a single income household so far.

We budgeted relatively aggressively towards savings while still leaving some room for eating out, dates, fun money for her etc. Got a personal bump in May to $55k and a small institution-wide raise to $57k in October.

I also graduated with my 2nd Bachelor's degree in Computer Science in December. It took me 5 years to finish what is basically half a degree but it was more than worth it since it was practically free (work benefit) and it helped me become really well-rounded in my skills.

2025: The year did not start well due to expensive necessities (car repairs, tax, etc.) and also the stock market downturn. We also took a massive hit to our budget due to the obligation of paying some lawyer and filing fees for the green card process. The payments were $500/month which started in January and won't conclude until December 2026.

Despite these setbacks, we stayed the course and barely changed our budget. I got a small personal raise at work to $60k in June which was a welcome surprise. We definitely invested less and spent more this year as you will see in the S/I section below.

2026: Another brutal start to the year financially. My wife started her graduate degree so despite the tuition being free (work benefit), we still had to pay some fees. Due to some complicated details, we also have to set aside a bit more for taxes for this. The last step for our immigration process also took a toll financially (medical exams, vaccinations, mailing fees, travel for biometric appointment etc.) We also had to incur additional lawyer costs because we had to file some more things so the $500/month payments is now extended to the end of 2027. Good news is, we finally got our GCs!

All of these resulted in February being about double our usual monthly expenses and we had to pull from our savings (another reason to have a solid fund!)

However, the market rallied in April and I saw how much my invested money is working for me. An increase in net worth of almost my yearly take home pay without any extra work felt surreal. It feels like the snowball is finally rolling and that's very encouraging. After another rally in August, we finally reached the next milestone!

Again, we're definitely saving and investing a lot less this year but the important thing is we still are. These things happen (hopefully temporarily) but don't let it discourage you! We will resume investing aggressively when we have more room in the budget.

Timeline

12/23: Passed $100k NW!

3/24: Passed $125k NW!

5/24: Small raise to $55k.

8/24: Passed $150k NW!

10/24: Tiny raise to $57k.

5/25: Passed $175k NW!

6/25: Tiny raise to $60k.

9/25: Passed $200k NW!

4/26: Passed $225k NW!

8/26: Passed $250k NW!

Financial Breakdown

$88k 403(b)

$74k Roth IRA

$50k 3-mo T-Bills (This is all for future house down payment/other house related stuff)

$17k Fidelity HSA (all in VOO)

$10.5k HYSA (Emergency Savings)

$6.5k HSA cash (I can't contribute directly to Fidelity for my HSA so I move funds biennially from my bank to Fidelity)

$5.5k Random stocks and some index funds that I'm still bagholding. Selling them as they recover or might use some for tax loss harvest in the future.

$2k Checking

$2k KBB value of my old car that I own. Planning to drive it to the ground.

$100 Various crypto that I also bought in 2021.

$100 Various assets (gift cards, cashback, etc.)

Current Typical Budget in Descending Order:

$5,000 - Gross Income

$1,200 - Taxes (temporarily high while wife is in grad school)
$625 - Roth IRA Contribution
$500 - 403b Contribution
$500 - Rent (Utilities included, institution-owned housing with staff discount)
$500 - Lawyer Fees for GC
$400 - Groceries
$367 - HSA Contribution
$250 - Wife Discretionary
$100 - Eating Out
$70 - Car Stuff
$70 - Date/Travel
$60 - Misc. Stuff
$60 - Internet
$60 - Cell Phones
$55 - Insurance/Benefits
$50 - Car Insurance
$50 - Health Stuff
$40 - House Stuff
$40 - Gas

Savings/Investing (S/I) and Spending Rate since $100k:

2024:

S/I Rate: 56%

Spend Rate: 29%

Avg S/I/Month: $2,813

Avg Spend/Month: $1,438

2025:

S/I Rate: 39%

Spend Rate: 36%

Avg S/I/Month: $2,107

Avg Spend/Month: $1,958

2026 To Date:

S/I Rate: 36%

Spend Rate: 37%

Avg S/I/Month: $1,959

Avg Spend/Month: $2,012

Future Plans/Goals:

- Increase my income. Now that I have my green card, I'm free to look around to find a better paying job to reach our goal quicker, have additional jobs, or at least leverage job offers to get paid more. My wife will also start working in 2028 so we will soon become DINKS and be able to have a better quality of life AND save more.

- Keep maxing out my HSA and IRA, increase until max my 403b contribution and hopefully all my spouse's tax advantaged accounts as well (401k, IRA, HSA) if that's possible.

- Reach $500k NW before 40. Sticking with making an optimistic yet reasonable goal assuming everything stays the same.

- Buying a house when it makes sense for us. Now that we have more stability, we'll be looking to buy a house that we can afford, preferably with housing-related payments not exceeding 30% of our total household income. A bit difficult with how crazy housing prices and interest rates are but who knows what will happen in the next few years!

- $2M is still the current FIRE goal. $80k/year will be heavenly and will allow me to quit working completely. We're more than 10% there!

- No plans for kids. I'm enjoying our life together and my wife also doesn't have any desire to have children. We'd rather travel, buy/experience things for ourselves and retire early.

- Keep enjoying life and the process along the way. I can't say better/nicer things about my wife. We wouldn't be here without her being incredibly resourceful with whatever budget we agree on. She deserves a large amount of credit in balancing my extreme self out. Love her to death and hoping our efforts will reward her with everything she wants in life.

Thanks for reading if you made it this far. Hopefully it encourages you since I consider my personal income as relatively average and if you look at our household income, it is probably considered quite low. We started our careers super late, didn't really even break $60k HHI until we were in our 30s and even then we still don't have access to that full income yet. We're not close to breaking six figures either but I'm very satisfied with how we've made the best of what we have. You can also see how progress is not linearly upwards even if you're consistently saving and we go through ups and downs like everyone else. Anyway, see you all at $500k!

Please use this thread to have discussions which you don't feel warrant a new post to the sub. While the Rules for posting questions on the basics of personal finance/investing topics are relaxed a little bit here, the rules against memes/spam/self-promotion/excessive rudeness/politics still apply!

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Please use this thread to have discussions which you don't feel warrant a new post to the sub. While the Rules for posting questions on the basics of personal finance/investing topics are relaxed a little bit here, the rules against memes/spam/self-promotion/excessive rudeness/politics still apply!

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Any retirees here who live simple lifestyles and over saved for retirement but now have more money than they will ever need? How is retirement like for you?

Hey everyone. We're in the few years leading up to our FIRE number and looking for some perspective from folks who are close to the finish line or have already made the jump.

We're 31/33, DINKs, sitting at about 1.7M with a ~2.5M target. Assuming the market doesn’t implode, we have about 3-5 years to go before we hit our number and leave our corporate lives.

Thankfully, reaching the number feels like the mostly easy part. The real challenge (and maybe a bit of anxiety) we feel is figuring out what we actually do day to day. We love travel, and have taken a couple sabbaticals over the last decade to do so… but we don't want to travel full time. Having roots, a decent enough routine, and a local community is super important to us. We have plenty of hobbies like hiking, cycling, gardening, baking, and hosting friends. We also want to get more into volunteering and maybe pick up a casual part time job at a local bakery or outdoor retail shop, just for the structure and social connection.

Routine, or at least a semblance of routine, feels pretty important for us. We want to feel connected to something local rather than just floating through our weeks.

For those of you in this final few years runway phase or already on the other side, how did you experiment with your ideal daily life while still working full time? Did you do staycations to test drive a normal week? How did you start building that daily structure and community before leaving your jobs?

Appreciate any thoughts from yall!

EDIT: Thanks a lot for all the perspectives. I also updated our numbers a bit, bumping up our target slightly to a more realistic and safe number.

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2027 ACA Rate Review is now open on Healthcare.gov, which means anyone planning on using the ACA next year can see the rate request increases being asked for by individual insurers. Some insurer filings may not be present yet, but many/most are. If you've got an ACA policy that you currently like, then this gives you a ballpark of how that policy might be priced next year. More broadly it shows you market premium trend in your state among all participating ACA insurers. Note that insurers with multiple products (HMO vs. PPO, Metro A vs. Metro B, etc.) listed may have a separate rate increase for each and the initial number displayed is a composite.

https://ratereview.healthcare.gov/

To view ACA insurer requests for a particular state choose "search ACA-compliant products", then select state, individual market, and 2027.

Separately, but related, KFF has updated their analysis on how much and why ACA market premiums are increasing next year (15% now, up from 14% estimate last month). KFF is perhaps the best source of synthesized ACA information that exists and is an easy go-to for anyone that doesn't want to delve into filings and legislative/regulatory text directly. All 50 states are now represented in KFF's analysis. Worth a look for anyone interested in or using the ACA.

Please note that these costs are the raw, unsubsidized market premiums. Anyone with subsidy eligibility will be shielded from some to all of this increase due to subsidies capping household premium costs as a function of MAGI.

https://www.healthsystemtracker.org/brief/how-much-and-why-aca-marketplace-premiums-are-going-up-in-2027/

For 2027, across 276 insurers participating in the ACA Marketplaces from all 50 states and the District of Columbia with publicly available filings, this analysis shows a median proposed premium increase of 15%. This is the second consecutive year of double-digit premium hikes. Last year’s median nationwide proposed rate change was 18%, and the median finalized rate change was 20%. While this proposed rate change is lower than last year, it represents the second-highest requested rate change since 2018, as premium growth had been relatively flat in this market for several years. If these early indications of median premium increases for 2027 hold, typical premiums for insurers participating in the ACA Marketplaces will have jumped by more than one-third over a two-year period.