financial independence / early retirement

After being on the FIRE journey for the past 10 years, our net worth has finally crossed our FIRE target of $2.7M as of May 15, 2024. Some context: Me (46 M) and my spouse (44 F) don't have k...

https://www.reddit.com/r/financialindependence/comments/1ctfi1h/milestone_fi_target_of_27m_reached_46m44f_couple/

This is to all the new folks who have come into the various financial subs asking how they were doing, only provide savings/NW, and either neglect to or actively push back on providing expenses. ...

https://www.reddit.com/r/financialindependence/comments/1ctfcyd/do_you_really_think_your_expenses_dont_matter/

M31/F31 HH300K RETIREMENT SAVED $315K My wife and I are stuck on what to do regarding our mortgage. We've got $400K left with 7.25% (29 years left). We already save 25-30% towards retirement. W...

https://www.reddit.com/r/financialindependence/comments/1cte198/invest_or_pay_off_mortgage/

Well, yesterday's stock market rally sure was nice! It bumped me up to my next 100k net worth milestone of 400k, which is the first milestone that feels really, really significant (at least for m...

https://www.reddit.com/r/financialindependence/comments/1ctd1kp/400k_nw_milestone_reached_31f_freelance/

Please use this thread to have discussions which you don't feel warrant a new post to the sub. While the Rules for posting questions on the basics of personal finance/investing topics are relaxed...

https://www.reddit.com/r/financialindependence/comments/1ct8kk6/daily_fi_discussion_thread_thursday_may_16_2024/

Link May 16, 2024 – Welcome to another Safe Withdrawal Rate Series installment. Please see the landing page of the series for a guide to all parts so far. In Part 60, dealing with the “Die W...

https://www.reddit.com/r/financialindependence/comments/1ct7y2z/61_in_big_erns_safe_withdrawal_rate_series_is_out/

I am a single 39F with no kids who owns and runs my own business. While I love what I do I am considering retirement at age 50 so I can have a more relaxed life to travel more. Raised in upper mi...

https://www.reddit.com/r/financialindependence/comments/1csmj4y/thinking_of_early_retirement_at_around_50/

With declining population everywhere, how will it impact purchasing power and companies earning decades from now? What will it do to our retirement? Edit: The population is still growing... for...

https://www.reddit.com/r/financialindependence/comments/1csjse5/are_you_worried_about_population_decline_for_your/

Self-promotion (ie posting about projects/businesses that you operate and can profit from) is typically a practice that is discouraged in /r/financialindependence , and these posts are removed th...

https://www.reddit.com/r/financialindependence/comments/1csga73/weekly_selfpromotion_thread_wednesday_may_15_2024/

Please use this thread to have discussions which you don't feel warrant a new post to the sub. While the Rules for posting questions on the basics of personal finance/investing topics are relaxed...

https://www.reddit.com/r/financialindependence/comments/1csg9oe/daily_fi_discussion_thread_wednesday_may_15_2024/

For discussion. Thoughts/implications of Salim Ramji? My gut reaction is nothing will change but can’t say that with certainty. https://www.wsj.com/business/c-suite/vanguard-preparing-to-tap-...

https://www.reddit.com/r/financialindependence/comments/1cs54a7/vanguard_prepares_to_tap_former_blackrock/

Tapping into the FIRE hive mind to get some input. I have a potential opportunity to move from a very high stress job that pays 200k (with bonus and 4% match) to a much lower stress job that pays...

https://www.reddit.com/r/financialindependence/comments/1crziaw/step_down_job_opportunity/

I could really use some advice on a big decision I'm facing regarding my career and financial future. Here's the scenario: I'm a 50-year-old government executive with 25 years of service under ...

https://www.reddit.com/r/financialindependence/comments/1crz2lr/bigger_pension_or_bigger_401k/

Please use this thread to have discussions which you don't feel warrant a new post to the sub. While the Rules for posting questions on the basics of personal finance/investing topics are relaxed...

https://www.reddit.com/r/financialindependence/comments/1crnlhq/daily_fi_discussion_thread_tuesday_may_14_2024/

Looking for some perspective here and not sure if this is the right sub, but it involves FI, so seemed appropriate. Sorry if not! Like the title says, I’m 40, not married/no kids and have a l...

https://www.reddit.com/r/financialindependence/comments/1crm7ui/job_change_for_less_base_pay_but_more_security/

It’s been about 6 years since I started tracking my net worth with personal capital, and I’m finally tired of the glitches, and lack of improvements, and miscategorization of 401k index funds...

https://www.reddit.com/r/financialindependence/comments/1cri53e/portfolio_tracking_apps/

I'm just wondering why this account even exists, it seems like all it does is lock your money in with your employer's brokerage, instead of your personal one. Is there some benefit to the accou...

https://www.reddit.com/r/financialindependence/comments/1cr24mg/what_is_the_point_of_an_after_tax_401k_outside_of/

I posted this over in r/personalfinance - but I think it might be better for the group. I'm 44, married, with 3 teens at home and live in Dayton, Ohio. My wife doesn't have a job and has been ...

https://www.reddit.com/r/financialindependence/comments/1cqz6wq/mid_40s_just_starting_to_plan_for_fi_need_advice/

Hello everyone, I find myself in a complex situation involving my parents-in-law that could potentially affect our path to financial independence and early retirement. Here's a quick breakdown ...

https://www.reddit.com/r/financialindependence/comments/1cqxn8i/seeking_advice_how_to_assist_inlaws_with_housing/

Please use this thread to have discussions which you don't feel warrant a new post to the sub. While the Rules for posting questions on the basics of personal finance/investing topics are relaxed...

https://www.reddit.com/r/financialindependence/comments/1cquqj8/daily_fi_discussion_thread_monday_may_13_2024/

Going to attempt to keep this short and sweet but I'm trying to make the best decisions with my families finances going forward and could use some guidance. Income (Net): 11,600 household Exp...

https://www.reddit.com/r/financialindependence/comments/1cqqlgr/guidance/

I max out my 401k and roth ira. I also have 60k in an individual brokerage account. Is there a reason I shouldn't just mega backdoor roth my brokerage money? I've got no other debt except for my ...

https://www.reddit.com/r/financialindependence/comments/1cqi7t4/mega_backdoor_roth/

Any feedback welcome as I am always learning and gaining inspiration from this community. I have attached a post from a different reddit in order to share pics with full month by month progress o...

https://www.reddit.com/r/financialindependence/comments/1cq76fy/fi_journey_tracked_by_month_38m_hcol_2_kids_sahm/

Please use this thread to have discussions which you don't feel warrant a new post to the sub. While the Rules for posting questions on the basics of personal finance/investing topics are relaxed...

https://www.reddit.com/r/financialindependence/comments/1cq3n02/daily_fi_discussion_thread_sunday_may_12_2024/

Housing expenses are one of the biggest obstacles to financial independence and moving to a low cost of living (LCOL) is a popular way to decrease those costs. However, I don't see much discour...

https://www.reddit.com/r/financialindependence/comments/1cplqo7/low_cost_of_living_tradeoffs_missing_the_point/

Hi, we met with our CFP to get advice on my wife's IRA and here's what he suggested. My wife is 50 and has no plans to work any more and there's no need to withdraw anything until she turns 59-1/...

https://www.reddit.com/r/financialindependence/comments/1cpiz89/feedback_appreciated_for_financial_planner/

Mike you can stop asking because… The data for the 2023 survey is now available. Woot woot. There are multiple tabs on the sheet: • Responses: The survey results after I did some minimal...

https://www.reddit.com/r/financialindependence/comments/1cl177n/the_official_2023_survey_results_are_here/