Seems like a no-brainer - 3.3 without touching principal, adjusted for inflation. As an early retiree (49 y.o.) I was using 3% as my safe withdrawal anyway.

I’ll start. 53M SI2k, 100% of FIRE goal. None of these alone would keep me working but but together it adds up:
- I’ve got school aged kids and I’m up at 6 to get them out the door and to school every day. So no sleeping in for me, no last minute vacations or road trips, etc. I feel like if I’m waking up early and stuck in a routine, might as well keep drawing a paycheck, for now.
- Healthcare uncertainty. Premiums are up sharply, insurers are pulling out of some markets, and the subsidy rules have already changed once. I need the ACA staying stable for the 10+ years until I reach Medicare.
- I’ve got some golden handcuffs. Nothing crazy but it amounts to a year’s salary over the next couple years.

What I am doing instead is embracing a little lifestyle inflation while my kids are still living with us, pulling forward some things we were putting off until early retirement. Also, I wouldn’t say I’ve quiet quit, but work isn’t my #1 or 2 priority. That’s been hard to make stick, and I come up short sometimes.

Things that would get me to change my mind are if my work situation got worse (bad boss, high pressure project) and naturally as my kids get closer to adulthood and I get closer to Medicare.

There's times in life when you just have to spend money. For those of you in your 20s (or others just trying to save money), I made a list of not so common money saving tips I used to save money back in the day. Please feel free to add any or roast me.

• If you live in a HCOL area, its not worth it to deal with car salesmen in your area. They are so used to people paying at least MSRP that they do not have any incentive to work with you. Just take the time to drive 1-3 hours away and get the car at a good market value.
• Planning a big purchase? My state has sales tax, so I took a vacation to Portland one year and I bought a ring for both my wife and I.
• Facebook Marketplace for a mattress if you know what brand/model you want. People return mattresses and they are sold for over 75% off by the people that come and pick them up. Many people try them for a month, hate it and then return it. (Obviously make sure its barely used).
• Costco. Not just for the bulk buying, but also access to member pharmacy prices. This is especially good if you have a HSA since your plan probably sucks.
• Pregame if you go out drinking a lot
• Since Covid I find myself doing a lot of pickup rather than dining in.. saves me the 15% tip (if you're in the US). Obviously go out and eat somewhere nice if its a good restaurant/out on a date.
• Don't cheap out on insurance!!
• If you're in college, or thinking about going to college you can do your real easy classes with CLEPs like Modern States. Saves a bunch of time and money.

EDIT:

• Buy the unlocked version of whatever phone model you want. I use US mobile and save so much money compared to nearly everyone I know. They have a nice pay annual plan.

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.

Cancer sucks. And it moved fast.

Back in mid-2025, before her diagnosis, my late wife (44F) and I (44M) were aiming for FI / optional RE in mid-2027, when she'd reach student loan forgiveness.

We DINKs had about 1.8M invested and aimed for up to 90k spend in MCOL:
50k for basic expenses; upside mostly for travel, fitness/wellness/hobbies, and supporting non-profits.

About a year later, I'm trying to figure my new path.

Looking for both tactical advice on immediate financial moves, and generally how to approach this unexpected solo path.

Current investments ~2.38M:

• 210k - late wife (LW) trad. retirement (IRA, 457b, and pension cash balance)
• 880k - my t401k
• 90k - HSA
• 100k - LW Roth IRA
• 220k - my Roth 401k
• 350k - my Roth IRA
• 410k - joint taxable brokerage
• 125k - HYSA (includes life insurance payout)

Category sub-totals:

• 1,180k - Pre-tax retirement
• 670k - Roth retirement (all open >5 years)
• 535k - taxable

Tactical moves / questions:

• Move LW's retirement funds to "inherited" Roth and TIRA accounts?

  • Seems this would let me pull from them at any age without early-withdrawal penalty.
  • Any downside (vs. treating as my own IRA), other than administrative complexity?

• Taxable brokerage - step up cost basis for 1/2 the value to date of LW's death.

  • Any downside or alternatives?

• Final tax year filing jointly - Roth conversion etc.?

  • For TY2026, I'll have about $15k headroom in the 12% tax bracket, while next year filing single I'd be in the middle of the 22% bracket.
  • Is it worth doing a Roth conversion or other tax moves this year?

Big picture / re-setting my path

• Work
  • I'm planning to stay the course at least for 6-12 months, following general advice to avoid sudden changes after a loss.
  • I don't love the work, but it's a good group of people, not too demanding, and supportive through this tough time.
• Reasons to stay longer?
  • Most of my extended family is in HCOL / VHCOL areas; would give more flexibility to move there if I save up.
  • Aging parents have chronic health issues and are vague about their finances. Would be nice to have flexibility to help them if needed.
• Reasons to FIRE sooner:
  • Aging parent have chronic health issues. Would be nice to have flexibility to spend more time with them.
  • Decent chance of inheriting a share of a family business, though value and timing are uncertain.

My general inclination is to focus the rest of this year on settling the estate, maintaining connections with friends and family, and staying healthy-ish. Then next year may be the time for bigger changes.

I coastfired 15 years ago. Switched to part time (consulting contracting) to avoid boredom. Spent 5 years (I worked remotely) looking for a place where I could breathe and live (allergies got worse as I got older). Finally found a location, bought a resort home 2 years ago, and haven't worked in 18 months, before that a 3 month gig for each of the previous two years.

The last few years of working was to "afford" to upgrade my house. I had the money, but the fight with spending is still real.

I was looking out at my backyard. Watching the storm over the Atlantic. Looking through the screen around the pool and the built in Jacuzzi (two of the upgrades to my house) and my immediate thought was I wonder when I need to move out?

I paid cash for the house. I enough to live a nice life and travel a couple of times a year (3 week international, 3 week domestic).

Small context: Food was a question when I was very young. I lived below my means for many many years with the occasional splurge.

I am living the life I saved for and it doesn't seem real. This isn't a brag. It is an honest question. The money math? Got that. Understand that.
Spending minimization algorithm? Got that. Understand that.
I know I don't need to work, I know I earned this life but when will it seem real?

Our plan 10 years ago(I was 44) was to retire at 58 with 3M (not including Mortgage or House).

At 50, we started aggressively saving 100K+ a year. At 51(2023), we hit my 1M. At 53, we hit 2M(2024) and we also pivoted from maxing out 401K, MegaRoth, regular Roth, etc...to putting 80K/year in superhero accounts(brokerage, HYSA, SGOV, etc...). Basically anything that wasn't pre-tax except where it made sense such as company match. And about another 20-40K in pre-tax because my wife gets 13% match due to history at company.

So far this year, we have put in almost 100K between various accounts. In May, we crossed 2.5M for the first time. Today we are at 2.65M. Thanks to an amazing 14%/YoY growth for the past 10 years.

Next year will be a good year for money. Besides salary, I should see at least 130K after-tax between now and next November (RSUs fully vest, ESPP, Bonuses). This doesn't include 26K into 401K Roth and the match going into pre-tax, which is about 8.5K, plus 2-3K in true-up.

If we can continue putting in 100K+ investing in ourselves and the market goes up about 7.5%, I will hit 3M in the October 2027 time frame. My last RSU's unlock November 10th, so I've picked November 12th 2027 as my retire date.

This will be a full 2 years 10 months earlier than planned. I would retire right now if I could, but the two things holding me back are, Rule of 55(Jan) and fully vested RSUs(Rule of 70 - my company only), which keeps me from access two big chunks in June and November.

If the market tanks before then, we may work just long enough to see signs of recovery and I will put as much cash as I possibly can in the market on the way down and back up. I will DCA down and up :)

My biggest regret is not putting money into superhero accounts sooner. I hope to have 300K in superhero accounts by end of next year. Looking back, I really need 600K. Why? because retiring before medicare forces you to do tax juggling to avoid the ACA MAGi cliff for medical, but if I'm using that money to help offset MAGI, if the market also drops, I need to use that same money for weathering the correction and recovery. So if you are in your 40's and you are on a similar path, save more money post-tax. You can still invest it aggressively until you are 1-2 years away from retirement.

So, it's possible to move your date up if you set your mind to it. Also, we still live life, we don't cut too many corners. But we never moved into a larger house, which is a big part of it. For example, I just paid cash for a 2026 4Runner (half trade in, half cash). We still go on vacations and eat out often. And as much as some people don't like this idea, I stare at my money everyday and make cautious moves as needed.

Regarding what I invest in. I mostly follow the bogleheads, but might dabble in other things once in a while, but mostly for fun. The one huge outlier is, I invested in AMD, not heavily, but I did make 100K or so profit. Outside of that though, everything thing is typical index funds with the majority of it in FSKAX

One more thing, FIRE doesn't have to be black and white. Just follow the principles and decide what's best for you. Lots of things will change by the time you FIRE. Don't get caught up in the weeds and bullshit people post online

Hopefully I'll be making my FIRE post in 13 months...

ACCOUNT BAR

BANKING $7,284.46

Checking $2,865.17

Checking 1 $2,480.02

Checking 2 $385.15

Savings $4,153.88

HSA 1 $2,603.84

Savings 1 $800.03

Savings 2 $750.01

Credit Cards $265.41

Credit Card 1 $356.86

Credit Card 2 $0.00

Credit Card 3 -$37.45

Credit Card 4 -$54.00

INVESTMENTS $2,643,016.78

Taxable $183,925.24

Brokerage 1 $120,695.76

Taxable 1 $55,051.50

Stock Plan 1 $8,113.13

Brokerage 2 $64.25

Retirement $2,459,091.54

401(k) 1 $1,765,655.37

403(b) 1 $322,639.62

Roth IRA 1 $179,603.31

HSA $62,351.71

Roth IRA 2 $58,222.14

403(b) 2 $37,287.82

Roth IRA 3 $33,331.57

PROPERTY & DEBT $834,316.41

Assets $1,014,631.00

Home 1 $916,000.00

Assets 1 $60,000.00

Assets 2 $38,631.00

Liabilities -$180,314.59

Liabilities 1 -$9,265.44

Home 1 -$171,049.15

SAVINGS GOALS $2,070.30

Goal 1 $1,070.30

Goal 2 $1,000.00

Feel free and AMA. I'm mostly an open book.

I'm planning for a 72t, I understand the concept of withdrawing the same every year on the amortization method. But what I don't understand is and couldn't find more info is the 1/2 year, do I still take the full amount for the half year or quarterly like I planned?

TIA

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.

Hi everyone, I have greatly enjoyed reading your posts and learning from this community over the years. As I have FIREd this year, want to give back by shaaring my own story.  Please be gentle lol

----- 

After a 32 year career – 27 at the same institution - my last day in the office was April 30, 2026. I am 54, my wife is a couple years older, all the kids are launched and mostly independent. We live in a mid-to-high COL area and plan to stay here.

I accepted a buyout package with the following terms:

·      for 15 months I sit at home on my couch and continue to get paid my current salary and all the usual benefits. I cannot work elsewhere during this perio, but I am volunteering locally.

·      My final salary was about $250,000

·      In August 2027 I move to the pension plan for pay and medical. My first year pension salary will be $156,000 with a guaranteed COLA tied to CPI. It also has a guaranteed survivor benefit of 50%. The plan is not Fed but it is rock solid and I have no worries about.

Background, Family and Career:

Spent all my life in US east coast cities. Started working when I was 15. I graduated college in 1994 with an English degree, during which I worked two part-time jobs in technology. Two weeks after graduation, I started working full-time for a telecom company and made my very first 401(k) deposit two weeks after that. After a few years in telecom, I transitioned to a defense contracting agency doing IT and multimedia work for a couple of years. Since 1999 I have been working in IT at an international private institution.

One fun note for me: Summer 2026 was the first summer I’ve had completely free from work or school since 1987!

The year 2000 was a massive turning point for us. We got married, bought our home, and had our first child. My wife left her job to stay home full-time with our kids and has not worked outside the home since.

In 2000 we paid $220,000 for our home in the far outer suburbs, a 4-bedroom, 3-bathroom house with a finished basement on a lot surrounded by trees. That came with a **brutal** daily commute for me for 26 years (except for remote work during COVID), but staying put paid off:

• Current House Value: ~ $650,000
• Mortgage: We refinanced during COVID, currently it is $118,000 remaining at 2.375% fixed (~10 years left)
• Home Condition: In the past 10 years we have new HVAC, siding, roof, hardwood flooring, and a Trex back deck. Need to do the kitchen at some point.

Assets & Accounts

• Fidelity: $500,000 in a mix of brokerage, Roth and cash
• Lump-Sum Buyout Payout: As part of the buyout, I received a lumpsum of after-tax  ~$150,000. This is currently sitting in SPAXX at Fidelity (is part of that $500k)
• Vehicles (Both Paid Off):
  • 7-year-old Honda (~72,000 miles)
  • 10-year-old Honda (~140,000 miles)
• Child Assistance: Currently paying $375/month for a 2026 Honda to help one of our kids

Income & Healthcare

• Pension: $155,000/year beginning August 1, 2027, guaranteed COLA indexed to CPI, a 50% survivor benefit for my spouse.
• Social Security Strategy: Plan to delay claiming as long as possible (aiming for age 69 or 70). Expecting a payout of ~$3500/month for myself given my earning history. Since my wife stayed home, we are basically planning her SSA will be $0 and take anything as a bonus.

Expenses and Plans

• All daily living expenses are covered by the pension! It will allow us to put away some extra for our next car and some travel.
• Healthcare Benefits: Guaranteed lifelong retiree medical coverage through my former employer. We estimate it will start at $525 per month based on the current year retiree costs. At 65, Medicare Part B becomes primary, the employer plan shifts to secondary coverage, and my former employer fully reimburses 100% of Medicare Part B premiums and any income-related charges for both my spouse and me.
• Children's Down Payments: Reserving $25,000 per adult child) to assist them with future house purchases and wedding costs
• Vehicle Replacement: Plan to replace the older car in the next 2–3 years.
• House plans: We need to do the kitchen and we expect HVAC replacement in ~5 years

Please let me know your thoughts and suggestions!

Questions for you

1. Overall Portfolio Growth: With zero need for ongoing portfolio withdrawals to fund living expenses, we are treating th pension as a huge bond asset. How aggressive should i be with the Fidelity money - 100% equities? VT and chill?
2. Investments at Fidelity: How would you structure and invest the ~$140,000 buyout payout and $50,000 earmarked for our kids across short-to-medium term horizons?
3. Emergency Fund Sizing: Since our pension and retiree health benefits fully cover all living expenses with a CPI index, how much cash would you recommend keeping in an HYSA / Treasury money market fund (like SPAXX or FSIXX/FZFXX) for true emergency liquidity?

Home - 200K equity (485K current market value, 240K mortgage remaining)
401K - 430K (contributions at 20K per year currently)
Brokerage- 220K (able to add invest ~40K every year)
Car loan remaining- 20K
Total ~ 800K
Single - no kids or spouse - annual lean expenses 60K - Fat expenses 80K - Atlanta/MCOL is home

Not a very ambitious person. Have a curious personality which helped me keep sailing in Tech( and now in AI), but no one knows when it might all come to a halt with the current state of Tech market.
Hoping for lean FI by 48 and then work with less of a dread of losing job. May be Fat Fire at 60.
Curious on feedback

Do you truly believe that with current circumstances (AI, climate crisis, geopolitical tension, birth rates falling) we can rely that historical data of stock market is applicable for next decades?

I'm still investing heavily, but see it more as piling up networth than journey with end of me living off the investments.

I feel like I have lost significant interest in several hobbies post-FIRE. Not sure what it is, but almost feels like the hobbies were used as an escape from the day to day, but now that isn't needed anymore. I have picked up some other things, but they are more health-related activities rather than hobbies. I feel like I'm on the receiving end of the Tom Hank's quote from Catch Me If You Can:

"Nobody's chasing you, Frank"

At 57 years old, wife has stopped working and I am getting close. We would have about a 2% withdrawal rate at our current level of spending. (Before social security) Our current mix of investments is 75% US (mostly SP500 etfs), 15% international, 5% bond, 5% bitcoin. It seems most recommend going more conservative once you retire, but at a low withdrawal rate is that just reducing growth rate.

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.

Just a cool milestone I can't really share with anyone I know. Married, household income of ~160k, 1 kid. We got incredibly lucky and bought our house in early 2020, refinanced late 2020 for a sub-3% rate on a 15yr.

We have no intention of paying our house off early (maybe when we're closer to the end of the loan, we'll be tempted to do so) and obviously the market could tank at the opening bell Monday and render this post completely inaccurate, but it's just exciting to see the progression toward having F-U money.

Keep going, that is all.

Hey everyone. I'm 45 and getting laid off in a month.

Living situation

I am single, no kids, never married, 45, male, software engineer, live in a HCOL area and I'm DIY renovating a single family home. It's a three bedroom and when it is done I could rent out two rooms for about $2000-$2500 total. But right now there's no income. Hopefully in like 4-5 months I will be done enough to rent it out to roommates.

Budget

I'm spending about $74k - $80k annually. Like $7k per month. But a decent amount of money is going towards the home renovation. That might go down but maybe not.

Assets

Net worth: $1.944M

Home: $807k

Debt: $286k at 2.75% left on mortgage

Cash: $40k

Investment total: $1.384M

401k from my old job S&P: $687

401k from my current job S&P: $208k

IRA traditional VTI: $13k

Brokerage VTI: $475k

The plan

Well I'm not sure. I'm going to finish this home first. If I leave my 401k's until I'm 65, 20 years from now, that's $3M for retirement. As for early retirement, I'm not sure I'm there. This $475K isn't going to list 20 years until I can draw from my 401k. But I might have more than I need in there.

The wild cards, of you pardon the pun, is that now that I have a little time to focus I'm going to try to sell of another sleeper asset. Don't laugh because I didn't put anything close to this amount of money in it but I have a Magic the Gathering card collection that's likely worth about $300k market value. Getting 80% of that is common for none dealers, private sales. So, I don't know what that adds. I'm going to be selling that off ASAP.

So I'd love to take time off. I might try to build an ADU for more rental income. Or an addition. Building the house and renting out out is sounding like a fun job.

Should I go back to work? Any advice would be nice.

Not sure if I’m an outlier in how I think about financial independence. Seeing big tech companies move into rural communities and completely change life for people in the pursuit of profit is upsetting to me. A lot of the environmental decisions seem driven by self-interest, and the amount of power and influence these companies have over everyday life is pretty incredible. Even working for them to achieve FI reinforces their power.
I try to be selective about where my money goes and support local businesses when I can, but then I turn around and have most of my investments in S&P 500 index funds. Anyone else struggle with that contradiction? I want to support local communities and avoid contributing to concentrated power, but it’s hard to reconcile that with being invested in the very companies I have concerns about.

My husband and I are very fortunate to be high earners, started investing early, frugal spenders, living in a L/MCOL area, and debt averse.

Long story short we are 30/31, have $550K in investments, make $280K/yr, spend $60K/yr, will have a paid off home next year worth $415K, and after playing around with some calculators we could retire anywhere from 35-40. We still very much enjoy our lives, it’s just the things we love to do (camping/hiking/running/tennis/play with the kids) don’t cost very much money.

We have 2 young kids and we want to continue to invest in their 529s and will probably front load those as much as possible after the house is paid off while continuing to max out our retirement contributions.

I’d love to achieve FI but we feel clueless as to why we’d stop working. We both have cushy jobs albeit a little boring. Maybe we just keep working and investing till we’re emotionally and mentally ready to quit?

I’d love to hear from others who reached FI but chose to continue to work. Did you do anything different?

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.

I'm about a year or two from retiring, and part of my plan is to sell my house and buy a cheaper one. I've been running my numbers assuming that I will pay cash for the new house and live off the remainder of the sale proceeds until I can start pulling from my retirement accounts. Is there any reason to consider a mortgage for the new house given the current interest rates? Seems like it would help mitigate the risk of running out of money before being able to pull from the retirement accounts but with a significant cost in terms of interest.

(I expect to net close to $2m from the sale of my current house and spend ~$750k on the new one. Currently have about $500k in a brokerage and $2.5m in 401K/IRA. Expecting to retire at 49 or 50.)

https://www.federalreserve.gov/publications/files/scf26.pdf

The typical American family got a little wealthier in the years following the Covid-19 pandemic, while well-off and older Americans got much richer.

Median family net worth rose 2% from 2022 to 2025 to about $216,000, adjusted for inflation, according to the Federal Reserve’s Survey of Consumer Finances, which was released on Friday. The survey comes out every three years and is considered the gold standard for measuring household wealth.

Overall wealth gains slowed markedly from the prior period from 2019 to 2022, when wealth increased 37%, the most in the 30-plus year history of the survey, thanks to rising stock and home prices.

Median wealth for a family in the top 10% of earners increased 31%, while wealth decreased for the bottom 40% of earners.

Tax Lost Harvesting baby! I know all you 100% stock people are jealous. ;)

I guess my biggest concern is at my current age and there's still so many unknowns. Currently 25 married on track to make 120k this year gross as a household. So we'll starters with this income is very new to us last year we made about 90k I believe and the year before closer to 70k. Currently we have combined about 120k invested plus plenty in savings.

We own a mobile home and both vehicles outright. we are currently saving around 5k a month. My concern comes with though we are on the upper end of what we're going to make doing what we're doing. Currently we are running my family's business that is why we got the pay bump is because I am doing everything from the bookkeeping to the logistics to all of it but a realistically the top end as things stand when I fully inherit the business I could potentially make up to $180,000 a year. But that's neither here nor there basically me just explaining that I'm already at the upper end. But my concern is I realistically don't know how much I need Ill need realisticall.

While we are contributing a lot now we don't have health insurance we don't have kids yet and we would like to have an actual home because mobile homes while completely fine don't hold value. So that's what we're looking for nice I see it in 5 years I'm going to probably have kids have a home and obviously I probably needed insurance yesterday because you just never know but I'm still currently looking into it because based on our income it is showing the cheapest I can get is about $750 a month with an $18,000 family deductible before the insurance basically does anything. Also values are constantly changing but I would argue in retirement if someone bought the real estate & buessniess it's looking like 1m ~ 1.5m or if I rented the buildings I could probably rent them for 3k a month after all expensices. Or if the business was unwanted and it was just sold as real estate probably closer to 600k ~ 900k off of just pure value.

Total net work probably 200k conservativly 120k invested Non invested 51k Cars: maybe 8k Mobile home 29k very conservative

Mobile home is fully remodeled plus I built an addition to so 1700 sq ft. 4 bed 2 bath total. Probably actually worth closer to 100k but the addition is concrete padded in so technically you'd have to sell the mobile home separately and the concrete pad would have to be sold with the land that's like a shop or office it has its own AC and electrical hookup. But I don't own the land of my grandparents do so conservatively we can just pretend like you know the addition would be theirs

I figured I would want to have about 3 million in today's money so that I can safely do a 3% withdrawal and it would be able to hopefully support my life Plus plenty of fun? But I just don't know is that number would be too low too high or if it's even achievable because by time I get a house and insurance and everything else most likely my contributions well I've had to decrease to probably closer to 3K a month

Tdrl: 25 I make 120k a year have saved 120k, invest 5k a month. And want a house & kids in 5 years and to stop working by 50.

I'm currently in the 22% tax bracket and probably will be for some time ( I know - great problem to have) - which limits my ACA subsidies. Anyone pull money out every other year to at least get cheaper insurance every other year?

This will move the money I'm taking out to the 24% bracket but I'm figuring an extra 2% on $100,000 is still way cheaper than paying almost 25,000 to 29,000 a year for insurance.

Am I missing something?