FIRE Financial Independence Retire Early

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Need some investment guidance. I've about 130k cash in my savings account, of which I want to invest about $75k. Was planning to buy a home earlier but delaying that decision by another year (hopi… more

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How do people think about Roth vs Traditional? How are you all thinking about tax bracket now vs at retirement? For context, I’m 27, single and currently make $107K in DC as a social impact consultant… more

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Should I dispute my credit? I have 3 missed payments, one from 2019 and two from 2020. They were insane years for me, so when I noticed them I just called and asked how much they needed, then paid. 2… more

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What fraction of your total comp should one usually keep in savings account as liquid cash?(assuming there are no debts or upcoming down payments )

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Question regarding traditional vs Roth 401k decision. I joined a new firm and they allow for Roth 401k and Mega back door Roth contribution. I’m 26 years old with a salary of 135k + bonus and have a… more

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What to do with $300k saved? I’m 35 and interested in investing in stock market, maybe purchasing real estate, and hoping to get some advice on options!

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160k HHI, if my debt is close to 0, what should I be able to afford? I’ve been looking at property around the 500k range in MCOL and LCOL. Is that too much?

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PwC fish, is anyone doing the mega backdoor Roth IRA with the PwC 401k plan? I could use some advice on how to set it up, the c… more

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What are you thoughts on splitting shared expenses 50/50 or proportionate to income with SO? What if both make over $175k but there is still a significant % delta (30%+)? Mid 20s, bought a condo toget… more

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Has someone really pulled the plug and FIREd yet?

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Can someone explain capital gains taxes? If I withdraw my funds, am I only taxed on the interest accrued? And not my original contribution? Or am I taxed on all of it?

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Looking for some advise on FIRE withdrawal strategy. Anyone here close to your goal? How are your investments split to enable regular cash flow? Advise appreciated. TIA.

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Real estate vs mutual funds - where would you suggest investing? For background I have no investment properties but do own my primary residence - I'd likely be comfortable putting down a 10% down … more

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Isn't being debt free the best way to FIRE? No payment in the world. Can do whatever you want without worrying about anything? Seems logical yet a lot of people on here against paying off house, c… more

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After high many years DIY investing can one be confident they are outperforming the market on a risk adjusted basis?

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Can I afford a 300-350k mortgage on 87k salary? I have no debt, would put 10% down

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So I have 150k saved at 26, am I behind if I wanna get to $1 million by 35? Any advice on how to get there and whether a top mba is worth it?

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If we have good, free healthcare through spouse’s job (military), is it still worth it to pay for a high deductible plan through my job to get the benefit of an HSA? For context, we are a family of … more

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Want to FIRE but don’t know where to start! 23yo female. Wharton undergrad, 2 yrs at MBB in LCOL city. Looking at tech exit opps in California in the $150-200k range. Have ~50k in 401k, ~50k in high … more

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What kind of side hustles do you guys do outside of consulting?

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I have about $45k in checking + savings, probably only need $27k as an emergency fund. I am hesitant to dump money into stocks at this time as I think the market will adjust soon -- do you recommend I… more

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Hello all. I am new to the ideal. I finally landed a job where I think this is doable for me. Does anyone have any intro literature I can start reading?

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Buying a house in West LA (Brentwood, Santa Monica) for a consulting couple (both senior managers and APs) seems impossible. Is the market f’ed up? Who the F can buy a property there.

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I’m about to be 24 should I buy a house in Southern California or wait longer and live with parents due to inflation on house prices currently.

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FIRE please help! Buy or rent? I make about 64k in LA and do a 20 percent 401k contribution so take home is around $1.2k per paycheck. The max I could do for down payment is $50k which might not be en… more

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Should I continue to contribute to 401k roth or should I move to conventional? I contribute the max. My employer contributes 7.5% as conventional. I’m 38 and in the 24% tax bracket.

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Just learning FIRE now, I’ve got about 80k liquid, 20k Roth IRA, 5k fun investments. 160k salary, SO will make close if not more once she graduates in 2-3 years. About 90k in loans. Do I continue stac… more

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Ok sos I need to start retirement savings ASAP. 401k or Roth IRA?

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Do rewards matter when choosing a credit card?. Here is my monthly spending breakdown: online groceries, online food delivery, gas, little shopping on Amazon. Don’t know about travel until Covid ends… more

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Struggling with the idea of continuing to work jobs for 60 hours a week instead of just relying on my inheritance of $2.5M, keeping my expenses below 30k/year, and working part time for less money.

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Is Robinhood a bad place to invest? Looking to invest $100k into just index funds and ride it for years.

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Trying to get my finances back on track. Who has a good budgeting app they use ?

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In an MBA program. Took out $20k federal loans for my first year. Have $50k savings to play with - should I 1) pay off existing loans before they start accruing interest in Oct 2) pay next $20k seme… more

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If you are able to pay rent upfront and get 1-2 months off (e.g., $2k rent a month) on a 12 month lease, would that be worth the cost versus parking the money in an ETF?

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For the KPMG folks, if we are rolling over funds from 401k to IRA (traditional and/or Roth) is there a way to request separate checks for the taxable vs. non-taxable amounts? I don’t want to have any … more

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I was excited to cut cost and save but my townhouse HOA fees will be increasing significantly in 2022 (60%) to cover some land repairs in the community. We got this house in Dec last year. Did see men… more

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I just got out of an abusive relationship and now my savings are halved because he took most of it. In addition, he used to control all our finances including investing and I don’t know where to start… more

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How would *you* allocate 1.5M cash assume you’re mid 20s, with the goal of maxing the FIRE number? I’ve already run some calculations on basic ideas but want to hear others’ ideas. All ETFs (what ki… more

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