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FIRE Financial Independence Retire Early

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Work is better when you don’t need the money

Should I max out my HSA or my 401K first? Torn on whether to keep high deductible /HSA plan & it's open enrollment. I'm 40 with chronic, expensive health problems and it only takes 4 month… more

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Is it true that some* debt is good debt. I’m referring to student loans, interest is ranging from 2% - 5% (all federal loans). Total is 20k, is it smarter to pay it off immediately and ASAP or just st… more

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👋 Hello! FIRE newbie here. I’ll admit I have no idea what’s going on and joined the bowl because I was intrigued by the title. After reading through the bowl, I’d appreciate any comments/DMs on how t… more

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What are the best cities to live in for FIRE?

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For people who have ~$5M saved up for early retirement, how does that distribution look like? Starting on my journey and would be great to understand allocation eg what % in real estate vs S&P500 … more

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Sorry if this sounds redundant or just silly. I’m 21, just started my personal & professional journey. I am currently paying my loans (24k), I’m maxing my 401k, and opened my Roth IRA (probably… more

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My mother has $80k she’s had on the sidelines for years in a money market account in her 401k and she’s asked that I put it in the market for her. Should I put this in the market now or DCA over the n… more

likeupliftingsmarthelpful
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For those who are married, have kids, and a mortgage. How much higher are your expenses prior to marriage and kids?

likesmart
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I Have $30k to invest. How long should I DCA? Over 2 months ? Over 6 months?

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Unless I expect interest rates to fall further (perhaps go negative, even) is there a good reason to invest in bonds right now? I really don't know why I should be investing in bonds right now gi… more

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I've been contributing to a roth ira all year, my AGI will be above the limit this year. Is the process to reverse the payments, put them into a traditional IRA, then do a rollover for a backdoor… more

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People I know are encouraging me to get into rental properties. I’ve always been much more towards stocks because of how truly passive it is. I also don’t know much about real estate (either the marke… more

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Would anyone buy a restaurant? There's a decent restaurant near where I live selling for what appears to be a pretty low price (assuming due to COVID). I'm really tempted to give it a go, and… more

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What are your thoughts on EV stocks? The surge with NIO and Xpeng are so ridiculous

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Quick question - Should I put emergency fund at Ally bank (or other HYSA) or Vanguard Money Market Fund? The money market funds seem to have higher return over 5 years but also has expenses of 0.09-0… more

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How many of you get Bitcoin everyday?

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How can I accelerate my path to FIRE? Currently making ~$5.2k/month after taxes and send money to the following: - $500 for expenses (living with parents during covid) - $2.7k to max 401k and IRA with… more

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Does anyone have experience with Titan and their two funds? Their approach focuses on 20 stocks only. Fees are 1% annually but you can buy that down with referrals. Is there a cheaper or free altern… more

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I'm a Canadian on the TN visa working in the US and planning on maxing my Roth IRA (6k) and will have enough left to max my 401k this year, but am not sure if I should just use a taxable account o… more

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What should I do with the $$ from my house sale for 1-2 years until I need it as a down payment on the next one? (Currently renting after moving to a HCOL area for a job.) Brand new, take it easy on m… more

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Stocks always go up!

likeuplifting
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I’m debating doing fundrise v. Public reits v. Roofstock v. Old fashioned property purchasing to diversify out of the equity markets. Has anyone done a comparison of returns and level of effort? I’m t… more

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Side hustle suggestions for H1B holders?

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I maxed out my traditional 401k for the first time this year but can do after-tax contributions and in plan Roth conversions. I did this starting last paycheck and converted immediately but by the ti… more

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Does Joe Biden have the ability to forgive loans via executive order as going through Congress will be difficult?

likefunny
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If you weren’t making money this year, you had your eyes closed. Finally feel financially stable and pretty excited I got to capitalize on the market this year. I’m young with no kids, family, or real estate. When the market crashed in March I threw everything I had into the market. I’ve been selling off my stake in the market slowly as my investments from last year phase into LT cap gains territory.

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Does anyone hear hold crypto? I have a small exposure I bought, but the more I think about it, I feel that it doesn’t fit into the principles of solid investing and I’m relying solely on the “greater … more

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So what does everyone do for side hustles? Feel like that’s a big part of FIRE along with living below means. Any good ideas that aren’t an internet scam?

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Feel like retiring early is basically impossible. I’m a 26, a 4th year at D, going up for manager next year, I have a masters and my CPA but I only bring home $3,700 a month(after tax&medical).. a… more

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Sitting on a considerable pile of cash right now, but I’m hesitant to increase my stock holdings as I think the market is currently overvalued. What would you do other than dollar cost averaging over … more

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Those buying real estate for investment, can we discuss pros and cons of buying rental like sfh/condos/townhomes vs MFH syndications. What do you prefer and why?

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For those who have done SBA loans - is the interest calculated on the full loan value or is it on the value remaining less the down payment ? If the former - Seems annoying to give them money and T… more

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I have an accepted offer on my 3rd rental property. I just closed on the 2nd property in October. I'm so excited to get this one, but I also have a bit of anxiety about whether or not I'm ove… more

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Thoughts on robo-advisor accounts? The ones that take your spare change of every purchase and round it up? Betterment, Acorn. I have to imagine it’ll take quite some time for $$ to accumulate that way… more

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When calculating savings percentage do you calculate how much you are saving after tax or before tax? I'm struggling with if 401k and HSA taken out pretax adds to my savings percentage or is not i… more

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Anyone worry that US stocks will stagnate for 10+ years after going on a tear since the Great Recession? If so, how do you account for that in your portfolio? If not, why don’t you share my concern...… more

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Just funded my Vanguard Roth IRA for the first time, any ETF/fund allocation suggestions?

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If I was paid a signing bonus but don’t start work until January, can I open a Roth IRA right now and contribute the bonus to count towards the limit this year?

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Need help in working through tight budget planning. How much do you spend per month per person on groceries?

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