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Work is better when you don’t need the money
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I just recently came into the position to receive ~4k monthly (non taxable income) for the remainder of my life because of injuries I’ve sustained. Question I have is - how would this impact (if at all) your FIR… more

What’s the best / most creative way to reduce the amount of tax I pay when pulling out gains from my stock portfolio?

I read that you need to work in the US and contribute to the social security for 10 years before I can be eligible to receive SS when I retire. Does the 10 year include the years when I was working he… more

For those that have retired using the 3-4% rule, how hard did the spike in inflation hit you? I am trying to figure out what I need but I’m worried that even at 200k/ year there might be a time in the… more


Getting term life insurance since we now have two little ones. I had a call with financial advisor and he gave me quote but then said I should really get xyz too.

Do I need to get additional riders or i… more


I'm currently renting, but would like to invest in a home. What's the best way to go about homeownership while still setting myself up for FIRE success?

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Thoughts on adjusting loan payments to be biweekly instead of monthly? Apparently this lowers the life of the loan significantly. Any catches to consider?


What are your thoughts on whether me should invest in real estate now or not?
Married, no kids (29F, 30M). Husband full-time student with 190 salary job starting fall 2025, no loans, 401K 70K, no liq… more


How would you allocate $300K cash if you were going to invest it?

I was laid off 6 months ago. Currently unemployed. I have funds in a 401k through my previous employer. What should I do with the money? Rollover to Roth IRA?


Does anyone have a Bank of America HSA? Trying to determine what’s the best investment option while my money accumulates there. Trying to look for something similar to SPY. Thoughts?


What is your NW and where do you live?


Stuck at $110k. 37 with only 4 yrs of work experience (stayed home with kids). How to level up?? In a rut and need a new direction upwards. Background is consulting in data space. Need fresh ideas. Th… more


What is the highest salary/career trajectory you’ve seen someone accomplish in PMO?

Most of my experience is unfortunately only in project management. 28M; currently at $190k, but would love to leave consulting t… more


Aussie living in the US & permanent residency coming through, so need to plan for my retirement here now.

Significantly behind the 8 ball, as Australian systems & social services are very different & never thoug… more


Invest 300k, get 350k back in 3 months. Should I do it? Brother in law is a flipper. He just bought an off market home in high demand area of Los Angeles. Like Beverly Hills. Wants to do some light wo… more


Currently unemployed in my early 30s. Wasted my 20s on junk instead of wealth building. Anyways, looking to focus more on FIRE going through 30s and 40s.

Can’t find job so I’m working at an eatery. Since it doesn’t pay much,… more


What is recommendation for a secure HYSA? Planning to move some cash from normal savings to HYSA


Married 35 & 38 with no kids and none planned. We just finished off our mortgage (~700k). 2M stock portfolio. My partner makes $200k/yr with no plans to ever retire early. I make 350-400k/year in … more


Which one is better a roth IRA a Seth IRA?

I have some inactive 401ks, and I'm wondering what's better for FIRE goals, a Roth IRA or SEP IRA as mentioned here, or something different?

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Since having kids, I don’t know if FIRE is the goal anymore. I really want to enjoy the time with them while they’re young - spend on experiences, quality childcare, work/life balance instead of top p… more


How do you navigate FIRE goals when you have a spouse/partner who isn't on board? Any advice for finding compromise?


Is this asset allocation reasonable?
Late 20s, my assets are 70% stocks, 20% bonds, 10% cash (savings). All index funds, both domestic and international, no RE.
My bonds are mostly in a 50/50 stock/bond… more

Just hit $2M at 35! Did people feel differently at this stage? We’ve been in super saving mode and market has been great! How do we turbocharge to $3M?


10 year Treasury at 4.2% or 12-month auto callable brokered CD at 5.4%? Trying to build out a fixed income hedge against my concentration in equities (think SPY-type funds). Any thoughts would be appr… more


We have about 300k in cash and 1 mortgage free property in which we live. We have no debt and want to move from Austria to either PT or ES or SE-Asia. We are contemplating buying a small apt in say Li… more


Are there any unconventional FIRE folks in here who RE for a few years, go back to work, RE for a few years, go back to work, etc?

I’m familiar with barista FIRE, but I’d like to get to FatFIRE someday.

Only have 7… more


Let's put it this way - I have a lot of work to do on some of my spending habits as I start this process. Any tips on how to control your spending on unnecessary stuff?

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6 months seems to be the standard for an emergency fund. But with all the layoffs, difficulty to find jobs…anybody holding higher than 6 months? How much?


Has anyone FIRE'd and went back to work due to boredom? I keep waffling back and forth about whether I can truly take the plunge of quitting. Just wondering whether I'm cut out more for FI tha… more


Saving Like A Pessimist, Investing Like An Optimist'


I reached FI last year but haven't made any changes. Have continued to work like usual, haven't told anyone. Scared to make any changes. Feels unreal to be in this position. But also unsure wh… more


I know the simple math is annual expenses x 25, but how does this account for variance in “retirement” age? For example, at $5k/mo, this assumes $1.5mm NW, but wouldn’t that need to be higher if I retire at say … more


Just wanted to share progress here. Silent Lurker

37M/37F couple. Liquid N/W is 2.5M. On track to hit 4.2M in 3 years( assuming a long term growth rate of our portfolio of 7% which is mostly VTI/VXUS and HYSA's)


Celebrating some very small getting started wins this week. What kind of milestones do you set for yourself on this journey, and how do you celebrate reaching them?

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Renting out my house in DC. Market rate is 4k (which happens to be same as mortgage). but I was desperate to fill so settled for 3.5k last fall. What is an appropriate increase? Great renters so happy to keep sli… more


Are you trying to prepay your mortgage? If so, then what is the rationale? My rate is 7 percent and the mortgage balance is 650k. I am thinking of putting down extra money each month towards the paym… more

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