FIRE Financial Independence Retire Early

Do you consider adding private equity exposure through apps like moonfare?

Feel like this is a great opportunity at face value, and not really discussed / popular.

I need your opinion. I hired a Property manager to manage a rental property. We've completed the interview process with several property managers and landed on one i thought was a good choice.
Now … more

Thoughts?

25 living in NYC
190k TC (110 base, ~80k bonus)
45k cash (pre-bonus)
40k brokerage
50k retirement accounts

Started this job halfway through the year and prior to that was unemployed for a year and burned a lo… more

Is 15% raise in salary worth moving states?

Probably a 10th NW of what many others have posted about but need to see what everyone is doing with their money.

What is your distribution of where you keep your money to maximize returns. Seems like top 10 companies of SnP are 40% hol… more

Reading the posts/polls on this bowl seems like hitting $2M in household net worth by 35 years is commonplace amongst the white collar population. $10M seems to be the most common FIRE number too. Won… more

Read various articles that talk about guaranteed income (pension etc ) in retirement makes for a happier and less stress retirement compared to having a lump sum that you’re not sure how to manage or … more

It’s open enrollment season- help me evaluate long term and short term disability both covers at 60% - also if I have life insurance I don’t need to select it through my employer right and was is AD&a… more

I have 30k of my company stock (ACN) It’s down a crazy amount. I don’t need the money but I should sell, right? The losses will be huge so won’t owe taxes, can write off losses over the next 5 years.

I need some advice. I'm a 61 year old Director with a base salary of 210k, annual bonus averages 6k, 676k in RSUs, 5.5k in a MM, 175k in 401k, 151k in high yield savings, 15k in a foreign account… more

Thoughts on refinancing right now? We bought 2 years ago at 6.375 for a 30 year term and looks like we can get it to 5 now.

Those between the ages of 30 and 40, how old are you, what’s your net worth including all retirement and any illiquid assets, and what’s your nonretirement liquid net worth? Job title?

Anyone have tips on how to stop comparing yourself to others’ FIRE progress? I know “comparison is the thief of joy” but anyone have tips on actually cultivating the mental habits to make ur brain not… more

1. If u were to say honestly - what % of ppl on FIRE journey hit 1m liquid net worth by age 30?

2. I’m a bit confused why ppl in FIRE count 401k and IRA as part of net worth — if the goal is to retire … more

working with estate planning attorney and using MetLife legal package that comes up with plan for trust. For registration of revocable trust and other actions lawyer is quoting 525 dollars on top of t… more

I'm really new to all this. Could I get some general feedback on my numbers? They don't feel great or terrible, I'm not sure.
Age, location: 31, NYC
Income: 115k
Investments: 215k
Cash/savings: 18k
… more

Would appreciate the wonderful insight you all provide . My son is 22 and making $75k a year in a non tax state. He is currently putting 6% in Roth 401k to get the match and another $7k in Roth IRA. H… more

Thinking about FIRE at 50, right now 47, should I change a job for a better pay or stay at the same job. The new job will be busier than my existing job. My current job will get me to my FIRE number.… more

What advice do you have for someone in their late 40s, close to paying off debt, and ready to start investing? I have a few small accounts (stocks, cds) but nothing that is earning anything substantia… more

Anyone else have trouble staying professionally motivated or even rational as you get close to FI?

I remember my first job out of college working 80+ hour weeks. I stuck it out to get experience until I found ano… more

Is $50K invested at age 10 enough to FIRE ?

Big News Fans!

I'm officially a landowner-over 60+ acres in Lincoln County, Washington! This is more than just a milestone, it's proof that with faith, vision, and the right opportunities, anything is possible.
<… more

For those of you close to FIRE, what do you do for retirement planning? I interviewed several CFPs both locally and out of state (I’m in Cali), and the prices are all over the place - from $800 for a … more

My NW has gone up almost 30% YTD with just market gains and savings (no real estate). Scares me as it seems abnormally high.

What about you guys?

I’m 25, and thinking of doing a temporary move to London from NYC for 2 years, my salary would be cut from $115k to £45k. Is this a mistake if I would like to FIRE?

2 years due to the HPI opportunity,… more

Inspired by the thread on a potential bubble, what's everyone's preferred vehicle and/or mix to diversify generally or assuming you expect a downturn? Bonds still (eg, VBTLX, VTABX, treasuries, TBills), a… more

I own places in MD and PA. I shuttle between them mostly weekly. I trade my stocks during weekday in PA and during summer and winter break I am in MD and trade from there. Will I owe taxes to MD and P… more

Has anyone been successful in supplementing retirement income with dividends? Feels like even to get 1.5-2k/month requires significant capital in these stocks. Is it worth it? Wanted to get some persp… more

34, just hit $600k. Came to US, 5 years back - investing and saving has helped reach till here. My goal was to always to reach $1M and i feel I can be there by 2027-2028. I make $210k per year, single… more

What motivates you to continue working after you hit fire targets/goals ?

Hi, for those of you who have hit their magic number, was it hard to change your mindset?

We have been living well below our means for years, and just hit $11M NW. Obviously very fortunate to be in thi… more

Learned something cool today! You can open an HSA with any provider of your choice as long as you have an existing HSA.

For years I assumed I had to stay with my old company's crappy HSA. Between fees and mi… more

Looking for advice here! 41 SINK. Have dealt with layoffs and career change from teaching to HR. Retirement planning has been challenging. What would you recommend I do if I suddenly had $50- 75k to … more

People trying to hit FIRE, what would you say your biggest struggles have been on this journey and what tools or mindsets have you found helpful or worth paying for on your path to financial freedom?

What is the minimum net worth you'd consider retiring early? What is the minimum net worth you'd consider "wealthy"? Apologies if this has been asked, but I'm new here. Thank you… more