My salary is $180,000 (and ~15,000 bonus). I max out my tax deferred 401k every year. Can I contribute to either a Roth or roth(401k) after already maxing out the tax deferred account? 35 years old.

Any recommendations on California Municipal bond funds/etfs?

I’m (45) planning on retiring in the next 1-2 years while my spouse (38) will be another 5 years. We’re both high income, so I still need … more

Hi FIRE Team. I need your guidance. I have built an emergency fund of $120k which could cover me for a year in case I lose my job or encounter some kind of emergency. Is that amount too much for an em… more

PSA NASDAQ is trying to pull a fast one and make ETF investors the bagholders for overhyped IPOs. Basically bypassing the usual period for price discovery of 6-18 months and make sure that pre-IPO investors can dump … more

35M. Looking for opinions on 401k to Roth conversations.
~650k in tax deferred retirement accounts (about half of it is from an old employer), ~350k in Roth IRA. 24% marginal tax.

Does it make sense to convert my old 401k to Roth no… more

Lost thinking about insurance. No kids (but probably 1-2 in the next few years; no house but likely will buy around that timeline). HH annual income is ~$500k (even split between spouse and I). We have some nominal disability insurance through our … more

Has anyone with young kids retired while their kids were in elementary school? How did you spend more time with them? Would you have considered home schooling?

Gonna retire later this year at age 56 with 4M in a brokerage account and 1M in a tax deferred IRA. I’ve been reading up on roth conversions and I mostly understand how it might make sense to move tha… more

What do y'all use? What is the best (free) website to plug in current portfolio / net worth, annual expenses, and other factors to determine at what net worth I can retire? I know about the 4% rul… more

I have done all of my research on LTCI and know which plan features I want. 1) For those of you who have bought before, are all agents basically the same? I was directed to one through my alumni assoc… more

Should I stop maxing out my Roth IRA until I have a comfortable 3-6 months emergency fund?

That feels painful, but I’m sitting at about just under 2 months at the moment.

What are people's general expected tax rates when they FIRE? I'm struggling to model it out, but say I retired with $5M-$10M in financial assets (interest, dividends, capital gains) at a 3% withdrawl rate… more

Hoping for some good advice to land in a better spot. 35, salary is 120k, MBA grad, credit score under 600, 80k in credit card debt, 50k liquid. I get paid bimonthly and it takes 1 1/2 paychecks to c… more

I am late 40s and will be laid off soon, not yet FIRE (need 2 or 3 years to get there,but close). The job market is not good right now. I don't want to take any job, but I have a hard time landin… more

What is the best budgeting app recommended by folks? Or is plain excel the way to go? Would like some secure and free(or low cost). Thank you!

Single mid 40's 3 MM in Roth/trad IRA, 401k, brokerages, 300k cash, no debt, owns home, MCOL. Spend well below means and save 150k or so more per year. When would it make sense to just stop? Al… more

Spouse and I are low 30s at $1M NW, all liquid (own home but next to zero equity) split between 401ks, Roth IRAs, Brokerage. In 10 years at 7% growth (10% growth - 3% inflation), if we contribute $10k… more

What would you do? My husband and I are both 37, NW $4M with >90% liquid mostly in brokerage accs. My husband is self employed, he trades in the stock market. He has probably been at 2.5M for the p… more

New to FIRE - ~$2.2M in total HHNW. Spouse (33F) and I (34M) both work remote (HHI ~350k). No debt, no kids (although considering). We still rent since housing prices in our area are completely outrageous, but sp… more

Anybody get fatigue from trying to stay on top of stocks that would be good bet long terms and figure out what to hop on as far AI, data centers, micro chips blabla..:

Has anyone used AI to evaluate a portfolio? They are all advancing so fast; I wonder which one would be good to use, if any. I just spent a few hours using Perplexity and it was able to explain clearly why it was… more

I’m interested in starting FIRE. I’m late to the game - 37 yo female married with two littles - but ya gotta start somewhere right!

I have $100K in savings, 401K, and a Robinhood account that I’m not sure how to flip lol
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What does FIRE mean to you?

Is it saving until you hit a number or a series of decisions about how you actually want to live?

At 700k HHI, we’ve been saving and investing aggressively for ~10 years. Early on it felt simple. Sa… more

Has anyone used VA mortgage for home purchase instead of normal conforming or jumbo? Any lessons learned? Pros and cons? Context: I am looking to buy a home in a year or so. 0% down sounds great but I… more

With how shaky the economy seems, are you doing anything with your investments to prepare yourself for a downturn? I’d like to retire in maybe 10 years.

26F moving from Toronto to NY for work. Canadian citizen on TN visa. Has anyone been in a similar boat? If so, what did you do with your TFSA, RRSP, FHSA, etc. hoping to avoid hiring a cross border ac… more

How do you hedge currency parity fluctuations over time as part of your FIRE (in case you plan to retire in another country)? I plan to retire in Spain (wife is from there) but USD/EUR has taken a tou… more

Do you make a budget and stick to it? How important do you really think this is? My concern to a certain extent is that doing so will drive my SO crazy. We both work. My SO doesn’t really follow FIRE,… more

Anyone consult with a tax professional that can handle European and U.S. taxes in terms of understanding them. I can self file or find a tax professional in each country but need a cross border specia… more

With the advent of AI and the risks to jobs, how are your FIRE plans changing?

50 years old. Married and has a kid in elementary. $400K plus in trading account. $700k in 401K. Planning to quit corporate in 2 years and move to India. Planning to live (india) within $31.5k (from t… more

Shoutout to all those in the long boring middle phase of wealth accumulation. I’m there now. No big milestones near. Just steady consistent saving and investing. It’s boring. But it’ll be worth it 🙌�… more

How does your personal FIRE philosophy influence how you take vacations?

Can someone help me reverse engineer a retirement plan? I need support as I am from a clinical health background and I see a lot of comments here with so much knowledge. I need some help in charting o… more