FIRE Financial Independence Retire Early

Hey everyone! Still early in my fire journey but wanted to ask some experienced people how they manage their investments/retirement accounts. I have a 401k with my company, Roth IRA on one app, HYSA o… more

Need some inspo. Who has FIRE’d or are 1-2 years from FIRE, what was your FIRE number and how old are you?

Is anyone here pursuing FIRE while paying for private school (K–12)?

We live in a HCOL area and are seeing many families start private school as early as kindergarten. Curious how others make this work… more

In 2025, I purchased a house for investment totaling 160 K what’s 7%. I’m single and my question is that does it make sense for me to take standard deduction or itemize it? How should I go about calcu… more

I am in a good financial position at mid-30s with paid off home in LCOL area. I’m considering an investment property/2nd home in vacation spots for rental income/fixed savings/appreciation given I don… more

34F, SINK with $920k net worth. I want to hit $1M soooo bad! If the market continues as it has, I should get there in a few months. Fingers crossed for a prosperous 2026 for all of us 🤗

Finally opening a joint investment account. Husband wanted to do it on Robinhood. We’re tight for money now, breaking even and only 60k in savings. (CD, HYSA, regular savings). Income and savings will impro… more

Ending 2025 with a 788k net worth taking into account a 1 year emergency fund, HSA, 401k and brokerage account. SINK. 38. No debt. FEELS GREAT! To 2026! 🎉🎉🎉🎉🎉

Learning about investing: if i invest in 10,000 in s&p500 for a year at 10% return and if i take it out after a year, if be under 15% tax bracket if invested under something like robinhood. But if… more

If my employer doesn’t match, is it better to invest in 401k, IRA or Roth IRA?

Biglaw lawyers: Can you tell me about your transition to FIRE? I’m 42 and think I’m close to a number I’m comfortable with. About 3.5% SWR and I am willing to flex and take some risk as my kid is in l… more

Favorite high yield dividend investments? I have FDVV but curious what else is out there that I should consider!

About to hit a few personal milestones, have made €200k this year and will soon become a Net worth millionaire (on paper atleast) but I’ve never felt so poor. Most of my wealth is tied up in our home,… more

Are there any disadvantages to a loan recast? We made some additional payments in the last few years and can cut our mortgage bill from 4k to 2k if we do a recast. Yay or nay?

Hit $500k NW today. Getting married next year and planning to have kids in next 2-3 years. Currently in SF Bay Area. When does it make sense to buy a home vs continue renting?

Wife and I are both 30 an… more

How can you have a FIRE number when most your money is in stocks/401k accounts/Voo etc.? It can be worth X today and X minus 50% tomorrow.

Is moving to Seattle a better move for FIRE than Bay Area? Are there other spots I can move to but still be near the money making tech hubs. I’d love to move to like a Pittsburgh at some point but wor… more

Got a nice Christmas resent when my retirement portfolio reached a major milestone ($4M). My FIRE is $5M, FatFIRE is $7M. So definitely getting there and feeling good.

In laws are considering a reverse mortgage as they want to buy an apartment somewhere they visit often. Am I crazy or is a reverse mortgage a terrible idea 99.9% of the time?

Curious if anyone here is working on or has achieved FIRE with young kids? I'm starting everything later in life - 3 kids under 3 at 39 years old, really only started investing in a portfolio and … more

Question for those that have paid off mortgage early:

I will have enough liquid between brokerage and HYSA by mid next year to pay off the rental mortgage (6.2%). Would start to generate an additional … more

Has anyone used a margin loan? What was your reason for using it and what was the experience like? Did you repay it?

Are high dual income earners shifting during early child years? What has worked to preserve sanity while keeping course?

How did you calculate for aging parents in your FIRE goal? I want to stop next year but am concerned about our four parents needing 20+ years of care.

Is anyone planning on achieving FIRE without major retirement accounts contributions? For example, through real estate or some other form of passive income.

Anyone with experience in treasury bonds? I’m not quite 60 but trying to ‘retire’ asap. I am in a unique situation where I am set up to easily go live in a LCOL country. I don’t like managing investme… more

This bowl has almost nothing to do with FIRE anymore. It's just rich people problems.

Looking for advice from those further along than I.

Early 30s Couple with 1 baby. ~2M liquid. ~500k HHI.

Should I take a step back to a ~300k/year exit or continue to grind up to MD (800k+).

Mathemati… more

Does setting up a back door Roth warrant a financial advisor? Is there a cheaper way I could pay someone to set it up but then I could handle the investments and avoid ongoing fees?

I’m invested in whole market etfs (mainly sp500 + nasdaq + a bit of the rest of the world) but I’m concerned by the ai bubble burst. I do think that there’s a bubble that is going to burst, the question is when.

… more

How much should my wife and I spend on a house in a HCOL area? $750k combined income. 29yo

I'm 40, married, we have 4m of investible assets. I'm trying to figure out a plan for retirement and what that looks like. partner doesn't want to make a plan. they are pessimistic about the future an… more

NW - 3M
HHI - 500K
Home Equity - 500K (home price @750k)

I’m planning to upgrade to a home valued around $1.4M. My inclination is to make the largest possible down payment to minimize the mortgage; potentially even purchasing t… more

I feel very behind. Im 40 and my spouse 49. We have just over $1M in investable assets and about $400k of equity in our home. We live in a HCLA and everything feels so dang expensive. Just ranting. Im… more

Help me buy
Triplex at 115k, 2 units renting out 1450, 3rd unit is rehabbed and turnkey. Neighborhood is low income but not as high crime. C to C-
2: duplex at 85k, rented out at 1550. Clean tenants, much nic… more

Anyone already FIRE and have kids applying to colleges? Have you filled out the CSS profile in addition to the FAFSA. I’m asking as our income is 0 (drawing on Roths) but have very healthy balances in… more