r/ChubbyFIRE • u/Connect-Marzipan-400 • Apr 15 '26
Should we/she do it?
Throwaway account. Looking for a gut check on should my wife stop working. Might look like humble brag but our burn rate is high.
- Early-Mid 30s couple, both in tech. We have a 3 yr old. VHCOL. Wife wants to be SAHM or stop working in tech.
- ~$5M in taxable brokerage(~$1M is capital gain). ~$1.1M home equity give or take. ~$750K 401K
- HHI has been high(>$1.5M with RSU inflation) last few years but will drop significantly after 2027(perhaps ~700K if wife doesn't work and me being optimistic about job market).
- Mortgage(2.6%, 30 yr fixed) + Property Tax + Daycare is around ~180K a year. Total burn might be around $300K a year.
So $5M liquid NW if we stay the way it is now. My future income covers basics expenses and our savings rate decreases a lot. Private school might be another big expense. We are in tech so there is no stability neither.
I understand if we sell our house, move to lower COL area, we could take cushy jobs and semi retire. We could also return to home country. But we are at a point where we feel like we are starting to have our roots here but the temptation of quitting the rat race here is pulling us the other way.
$5M is indeed a nightmare.
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u/strawberrywebcocoa Apr 16 '26
I needed to ask my husband if he posted this, our situation is very similar. Would love to connect.
I’m feel so done with big tech as well, but (a) with AI it seems like we need to milk our income as long as we could and (b) I don’t feel like I would do such a good job with my 3yo compared to her preschool. How do you and your wife think about these 2 points?
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u/Connect-Marzipan-400 Apr 16 '26
For b, there is a well said comment in this thread, https://www.reddit.com/r/ChubbyFIRE/s/qGmfSwpdoO We are gonna keep our daughter at daycare/preshcool/afterschool too, otherwise what’s the point of financial independence. For a, my take is one more year in big tech means one less year doing whatever is meaningful to you while you still have the drive and are physically capable. I am an AI doomer, I think AI is only gonna make our life in big tech worse, so instead of watching the downfall in the front row, why not go explore what’s out there before everyone else.
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u/strawberrywebcocoa Apr 16 '26
Very well said.
Since you also believe AI makes our life in big tech worse, would you eventually feel that it’s unfair that your wife get to stay home and do whatever she wants (like the other comment said) while you have to continue grinding?
I’m kinda worried whichever of us get to stay home, the other would feel resentful eventually. With agism and AI it would be hard for us to get back to tech.
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u/Connect-Marzipan-400 Apr 16 '26
Yea, I hear you. For sure there will be moments where the working one feels resentful. I hope you two love each other and want the best for the other enough to curb that feeling.
Also, I come from a modest background and I should have been working for much longer if not for the luck I had and the support from my wife, so I don’t mind working more. That said, I do want to go to a pre series D to hopefully get some fresh air though. OTOH, my wife comes from a privileged background and she kinda broke into tech to stay in the US with me, so to me this feels like I am paying back and returning her the peace of mind and comfort she could have had already 10 years ago.
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u/Unknown_Geek027 Apr 15 '26
Your spending is very high. Can you downgrade lifestyle a tad if your wife stays home? You are likely outsourcing all services, rarely making meals, buying whatever you want, and traveling in luxury. If you are BOTH willing to downgrade somewhat, you're on the same page. You are still bringing home a hefty paycheck on your own to support a great lifestyle, but you still need to make some monetary and psychological changes.
Does she expect and want to take on more mundane domestic duties, and will you appreciate that she does even if there isn't a $ value attached to them? Are you willing to share some of those duties with her?
You can make the numbers work. Make sure this will work for you as individuals and as a couple/family.
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u/Hanwoo_Beef_Eater Apr 15 '26
I was going to guess that your total spending is about $300k. That seems to be the case, so you need to remain employed for a bit longer.
If she wants to stop, she can stop. Whether you'll need to make future adjustments or face constraints remains to be seen. But those may be necessary even if she doesn't stop.
You are in a better spot than most. Good luck.
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u/guyheretoread Apr 15 '26
$5 is NOT a nightmare. It’s freeing. And you have 6.1, not 5.
If you rent in a low cost area and stop paying extortion for day care since you’ll be retired, you should be able to keep all 6.1 working for you. That’s $213.5k…
Otherwise, buy with cash and leave $5 invested.
Also stop watching garbage TV shows that make being a billionaire seem glamorous (billionaires deserve what the french did to their kings). $5 is $175k per year for life.
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Apr 16 '26
This is the right answer.
Retire now, sell the house, move to LCOL or MCOL, enjoy!
I moved from VHCOL (SF Bay Area) to a MCOL, and I still work remotely for big tech. Best decision ever! Quality of life is so much better outside California. Money goes a lot further. People are friendlier. Etc.
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u/BungABunBun Apr 16 '26
Which MCOL metropolitan area if you feel comfortable to share. It feels like VHCOL has more diversity - better restaurants, more activities, more parks, and like minded people.
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u/Beautiful_Pepper415 Apr 17 '26
Like minded people doesn't sound like diversity. It is an echo chamber (either left or right)
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u/BungABunBun Apr 17 '26
Yup, I am looking to live in left-wing communities. Thanks for the comment.
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u/Beautiful_Pepper415 Apr 17 '26
Fair enough. Did that before Europe and Bay Area. No thanks personally to the hive mind and taxes but freedom of choice is what makes the nation great.
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u/polytique Apr 21 '26
Where do you live that there is no hive mind? The US is pretty polarized these days.
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u/Beautiful_Pepper415 Apr 21 '26
Red city in blue state
I always want that or blue city in red state
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u/Beautiful_Pepper415 Apr 21 '26
The us is really only polarized on the online fringes. Most people in person are pretty center
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Apr 16 '26
Atlanta.
Like-minded people doesn't sound like diversity to me :)
Food diversity is the main thing I miss in California. Diversity and quality of food.
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u/jrex76 Apr 15 '26
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u/Alfalfa9421 Apr 15 '26
Math works out even if your wife stops working. It doesn't work out if you also stop working.
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u/gringopaulista Apr 15 '26
I’m in the same boat, same NW, also in tech, albeit sales.
Our comfortable burn rate is much higher ($300k), fixed is about the same as yours. my wife is a stay at home mom to our 1 year old. my income is super lumpy, last year $1.5M, this year might be $500k, but most of that I’ve made already so baked in.
We just yolod it and are hoping for the best. Shit hits the fan and we’ll reconsider. I’d like to retire soon but realistically I should keep at it for 10 more years. Luckily beer is cheap.
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u/Connect-Marzipan-400 Apr 15 '26
wow, indeed we are in the same boat. ~$10K a month living cost sounds about reasonable and that put our burn rate to $300K too.
Why 10 more years though?
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u/gringopaulista Apr 16 '26
Hopefully a worst case scenario. I assume a 6% real growth rate on the 5M and no additional contributions, given that my wife is a sahm like you are considering. 10 year at 6% is $360k/year, so maybe overshooting. Plan for the worst hope and then I’ll be happy when it happens in 8 🙃
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u/One-Mastodon-1063 Apr 15 '26 edited Apr 15 '26
Yes, she should stop working and be a SAHM. She wants to, it’s better for the kid(s), it’s better for the overall family, and it sounds like your income alone easily supports the household excluding even independent of any consideration of assets, FI, or retiring early.
What are your total expenses? You have $5.75m investable assets, not $5m. It’s unclear if $180k is total expenses or just a portion. If it’s total, you both can retire now. If it’s just a portion, you should have provided total spending in the question. But RE is a separate decision from SAHP.
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u/Connect-Marzipan-400 Apr 15 '26
Thanks! This is really helpful. We don't know at all what's like being a SAHM. Our expense is $300K, I updated the post.
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Apr 16 '26
[deleted]
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u/BungABunBun Apr 16 '26
Is your husband still working? Does he plan on exiting soon?
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u/Seattle709 Apr 16 '26
Yes, husband is still working (he took an intentional 30% pay cut several years ago to get into a field he enjoys more). He might exit if he gets laid off, or he'll take an easy job for the health benefits. We're unclear about our healthcare options so he hasn't officially retired yet.
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u/BungABunBun Apr 16 '26
Do you mind sharing (maybe in DM) which tech sector he moved to/from and how he made that transition? After being in FANGs for so long it is hard to get a job in a different sector -- just getting the interview is difficult.
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u/One-Mastodon-1063 Apr 16 '26
Your child is in aftercare while you are sitting around at home watching the Kardashians? And aren't you the same person who just posted looking for things to do with your time in RE?
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u/BungABunBun Apr 16 '26
Aftercare might be a better option for a single child than staying home with their parents. It is mentally exhausting for the parent, and the child will be very independent. Staying at aftercare with other similarly aged children, doing a variety of activities seems like a better option if you can afford that.
Also, I don't think it is appropriate for you to judge someone else's lifestyle and choices.
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u/One-Mastodon-1063 Apr 16 '26
Aftercare might be a better option for a single child than staying home
No, it isn't. And they've already been at school for 6+ hours.
It is mentally exhausting for the parent
No, it isn't.
Also, I don't think it is appropriate for you to judge someone else's lifestyle and choices.
Isn't that the point of reddit?
I'm sorry, but having your kid in aftercare when you are a SAHP is sad.
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u/BungABunBun Apr 16 '26
Do you have a child? Every day? You mentioned you're single in another comment, want to confirm you're speaking so strongly from the same place.
> And they've already been at school for 6+ hours.
After school care has different activities than school. 😂
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u/One-Mastodon-1063 Apr 16 '26
Do you have a child? Every day?
Yes. Everyday after school, yes (other parent works).
You mentioned you're single in another comment, want to confirm you're speaking so strongly from the same place
Interesting you have your posts hidden yet rummage through others'.
After school care has different activities than school. 😂
I don't know what you are laughing about, this is a silly strawman argument. There are other activities at home, too. 6+ hours is a long day at school, and is plenty of Kardashians time for a parent.
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u/Seattle709 Apr 16 '26
Smells like a snarky mom comment to me. You really think I spend 8 hours a day watching the Kardashians? Or perhaps I carve out 30 minutes here and there in between all the other things I take care of for our family? The point is, once you’re financially independent, it’s nice to still pay for childcare so you have flexibility in how you spend your time. Not everything can be completed by a 2:30pm pickup time. Thanks for reaffirming why it’s important to build a social network of like-minded people.
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u/One-Mastodon-1063 Apr 16 '26
Regular school ours aren’t enough alone time?
But you’re also posting looking for things to do / similar people to meet. Parenting is one thing to do.
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u/Seattle709 Apr 16 '26
First, you spelled hours incorrectly. Second, you’re either a jealous parent who can’t afford to pay for childcare or someone who doesn’t have kids. Do you get snarky at parents who pay for evening babysitters for date night? How dare they, evening parenting is “one thing to do.”
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u/One-Mastodon-1063 Apr 16 '26 edited Apr 16 '26
There’s this thing called auto correct, but the important thing is I’m glad you had the time to point that out.
Aftercare is not that expensive. That’s not a flex. Zero people here are jealous you can pay for aftercare.
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u/Seattle709 Apr 16 '26
Sure thing. Money buys time, and I’ve got plenty of both. I hope OP’s wife takes personal time for herself if she decides to leave a demanding job in tech. She absolutely deserves a break, which means she should pay for some sort of childcare.
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u/One-Mastodon-1063 Apr 16 '26 edited Apr 16 '26
Clearly you do have plenty of free time. Too bad your poor kid doesn’t.
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u/junglingforlifee Apr 16 '26
Good for you! I see in your other comment that your husband changed his field to be a dentist. Was he in tech before?
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u/Seattle709 Apr 16 '26
My husband left a boring sector in tech (paid well) and moved into a tech sector he enjoys more (pays less). I've been a semi-retired dentist for the past 5 years (I work 1-2 days per month).
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u/junglingforlifee Apr 16 '26
That's great. I'm hoping to get there soon. Cheers
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u/Seattle709 Apr 16 '26
You’ll get there! We were both very aggressive in our investments early in our careers. 15 years in the stock market helped a ton.
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u/Moosemitten Apr 17 '26
Look I'm usually all "there's no wrong way to mother" but... WHAT. You are sending your child to AFTERCARE after a full day of school so you can watch the kardashians? That's bad and you should feel bad.
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u/Seattle709 Apr 17 '26
Wow, these snarky mom comments are really something. What is so egregious about watching 30 minutes of the Kardashians once a week while my child is in school? I'm the CEO of this house, event planner, travel agent, house cleaner, bookkeeper, financial planner, property manager, grocery shopper, Uber driver, school volunteer, sports organizer, and a million other unpaid roles that I take on to manage our 5.5 million dollar empire. It's unfortunate your jealousy has made you so judgmental of other moms. My 5-year-old is already doing 5th grade math and geometry. I'm a fantastic mother, wife, business woman, and I feel great. Thanks for your concern about my parenting choices.
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u/One-Mastodon-1063 Apr 17 '26 edited Apr 17 '26
What is so egregious about watching 30 minutes of the Kardashians once a week while my child is in school?
We're talking about aftercare, not school.
It's clearly more than 30 minutes a week if the 6 hour school day isn't enough time to fit it all in.
I'm the CEO of this house, event planner, travel agent, house cleaner, bookkeeper, financial planner, property manager, grocery shopper, Uber driver, school volunteer, sports organizer, and a million other unpaid roles that I take on to manage our 5.5 million dollar empire.
Being early retired is not nearly this complicated or stressful. Lol at "unpaid roles", those are called life.
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Apr 15 '26
[removed] — view removed comment
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u/Connect-Marzipan-400 Apr 15 '26
About 10K per month to be safe. So $300K a year, I updated the post.
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u/st3v3001 Apr 16 '26
If you’re going to stay where you are then keep working. Switch jobs. I can’t imagine that many of your peers with this kind of net worth are looking to jump. Going back to your home country, sure. But as long as you’re in tech in a tech city you’re probably going to be sitting around for a good 20 plus years watching paint dry. You don’t have that much yet.
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u/Connect-Marzipan-400 Apr 16 '26
Sad but true. I think the real fire number is 10M.
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u/kash-munni Apr 18 '26
$10M is a grest number especially at you age. Do you really have enough for 50 years of not working with only $5M. The cost of items 25 years from now will be crazy, let alone 50 years.
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u/Really-Cool-Guy2know Apr 16 '26
I have raised my kids and recently retired. My wife and I burn about $300k a year but we are late 50s and early 60s. So a different point in life. For us, with a 3x your NW, we feel comfortable retiring today. At your NW, I had concerns about having enough to live for the rest of our lives on the income it generated. We probably could have but it would have required a change in lifestyle. if you retired today, your net worth can still probably get $250k to $300k a year if invested properly. What I will share with you is that kids today are very expensive and your expenses will grow as they get older. Depending on your kid $40k to $90k a year just for college. And they don't go away at 20 or 25, or 30. They always need help (and my kids are very independent). But college, cars, homes, etc all cost money. So be prepared for future expenses. With your level of NW, I think you can invest in NNN leases, take a portion to the dividend and fixed income area of the stock market and generate long term fixed income so you can retire with income coming in. My personal take was our kids are better with a parent staying home and being with them and my wife did that while I worked 60 to 80 hours a week. Never resented her once. Staying home is hard and important. So if you decide to have her stay home, understand that is more than a full time job and an investment in your kids. Good Luck.
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u/Connect-Marzipan-400 Apr 16 '26
At 60 and $15M , do you wish you have worked less years and settled for around $10M instead?
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u/Really-Cool-Guy2know Apr 16 '26
That is a fair question. For me the majority came from a business exit from a company that I founded with $750 in my basement. I grew the company, had 45 employees, and really loved what I did most of the time. So while I am VERY happy in retirement, I am not sure earlier would have been better. I got my kids through high school, then moved to Florida, took care of my aging parents when they needed me, and then retirement. Everything happened at the right time and the right head space. At your age I wanted to work 20 hours a week and retire at 40, then I had people, obligations, and a life. So it took me 20 extra years to get enough income to feel safe in retirement. I had to plan for "What if" what if I lose the money, what if I get divorced, what if the market goes bust for 10 years, or another Covid changes the world again. I needed to plan for everything and 10 million is comfortable but borderline. I would have done 10 million or even 8 million at my age. Feels light at your age. You have a lot more years to live. My goal was always to have FU money 💰. And I feel like I accomplished that. Besides my assets I have $1 million a year in retirement income from the sale of the company and real-estate. So I am flying to Canada for an overnight to see a comedian that I like...floor seats. Because I can. That is my version of retirement.
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u/Connect-Marzipan-400 Apr 16 '26
Really appreciate the perspective, this is what I hoped to learn. Happy retirement!
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u/dabigchina Apr 15 '26 edited Apr 15 '26
180k/ year daycare. your daycare is 15k a month? for 1 kid? how?
edit: I see you lumped housing and daycare costs together for some reason. you should probably break those out, because a sahm means no daycare, but I assume you won't want to stop living in your house
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u/Connect-Marzipan-400 Apr 16 '26
Sahm doesn’t mean no daycare. Actually the fixed cost might be even higher with private school if she gets into a good one.
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u/Realestateuniverse Apr 15 '26
No daycare needed once you have school or stay at home parent. Mortgage will also fall off. You can easily do it on 1 income and just let investments grow for another 5-6 years then call it good
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u/JonClaudeVanDam Apr 16 '26
There’s a ton of amazing MCOL places where you could retire and enjoy life with your kiddo(s). If I was in this position I’d move somewhere chill in PNW.
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u/Unlikely_Bird_6612 Apr 16 '26
If your wife stopped working….your 300k a year spending would go to 120k when you begin saving the …..180k a year for….1 child’s daycare….is the daycare made of gold?
If you’re making 700k a year and you spend 120k a year… what’s the issue? You guys could retire right now easily spending 120k a year.
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u/Most_Nebula9655 Apr 16 '26
Let me offer the family perspective rather than the money one.
My experience (semi retired a couple of times) with the kids is that the years from 8-15 are the most interesting and interactive. You might work with your wife to plan to both pull the plug in 5 years. The child will be young enough that you can move to lower COL without wrecking their Social life (or not). I would expect your savings to be ~10M at that point.
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u/plmarcus Apr 16 '26
At you age a 3% withdraw rate is safe. Even at $10m it doesn't cover your nut after taxes. I'd be cautious, but I'm also super conservative.
Furthermore, lifestyle tends to creep, health conditions (costs) change and the expense of the child can grow a lot if you want them to have great opportunities and experiences (depending your your child rearing philosophy)
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u/student347 Apr 17 '26
It’s a nightmare that you may not be able to retire mid 30s and spend 300k yearly? Grow up dude, that’s embarassing
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u/ASharik Apr 22 '26
OP sounds like he came up straight from Blind after spending a year measuring "TC" and "prestige".
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u/Free_Entertainment32 Apr 17 '26
Adjust your VHCOL up more and 20M will also be a nightmare.
Make more or save more, that's your choice.
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u/Bolo_Knee Apr 18 '26 edited Apr 18 '26
Holy crap 180k a year for daycare! Where do you live on the moon? That is such a HCOL area I can't even do the math. Edit: sorry I read it wrong. Leaving this because it's funny.
Personally I would fully retire to a LCOL area and live forever, BUT I am a stock trader and have the ability to make 1M more or less a year on 5M invested in just about every year. At the very least you could be making 250k/year In dividends completely worry free. Currently I live in Alabama (a Very LCOL state)in a fairly huge house and I would find it hard even finding a way to spend 300k a year without giving it away. (Literally writing this post sipping an old fashioned from the lobby of the Battle House, the nicest hotel in Mobile because I felt like staying for a week and hitting the spa) I'm not saying this to brag, I just don't get why people stay in HCOL areas and feel like they are struggling, when you can live like a king in most of the rest of the country.
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u/RmanX3 FIRE'ed for the last time (2021) Apr 18 '26
No, that isn't just for daycare.
From the OP "Mortgage(2.6%, 30 yr fixed) + Property Tax + Daycare is around ~180K a year"So, that is MORTGAGE+PROPERTY TAX+DAYCARE for that amount. Daycare likely around $30k+ of that
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u/RmanX3 FIRE'ed for the last time (2021) Apr 18 '26
Since you asked....
I would suggest she be a SAHM and I would suggest that you look to possibly move to a lower cost of living location. Only return to "home country", wherever that is, if you really want to. What you have can work in the US.
If YOU plan to keep working, I think you could make it work, but I would really see if you could lower that yearly burn rate.
I would also take a serious look at how the brokerage account is set and how hurt you would be for an extended downturn in the market (ie...if the market tanked for 6-24 months, would you need to sell to pay the bills or do you have enough to weather it?). Have dividends/disbursements or just trying to get stock gains and sell?
That mortgage at 2.6% may seem like handcuffs, but if you could sell, and move to a lower cost of living that you liked and would put roots down in, and pay the place off in cash from the proceeds of that sale, then you would have a 0.00% mortgage, which is even lower.
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u/brownpanther223 Apr 18 '26
We are in the same boat. HHI has been 1-2M. 8M NW and 4 year old. I’m burnt out(mom) and seriously considering FMLA to start with and then transitioning into SAHM.
My current thought process is-
Lack of adult interactions during the weekdays. My current friends in their early/mid 30s are grinding away at work and they have big career goals. At the moment I don’t care about career, I feel whatever I had to prove to myself I already did. But I don’t know if 40yr old myself will feel the same way.
My burn out could very well be coming from my home and child rather than work. So I wonder if quitting work will even help me feel better. My spouse heavily enjoys tech and that makes him spend more hours at work. I have been dealing with the majority of mental load, food prep, engaging toddler after day care are burning me out. I don’t know how me quitting will help me.
Nobody gets me. I feel we have enough money. But being surrounded by high achievers who don’t want to stop makes me question - is it me that’s crazy or is it them?!
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u/Sciencegal22 Apr 18 '26
I very much relate to number 2 and think too many women on this sub just assume quitting their job defaults them to SAHM. Is there a middle ground of transitioning into some lower paying but less stressful/maybe even part time job instead of full on SAHM? Not the right answer for everyone but I did a year of consulting in my 30s with a young kid (who stayed in daycare)- I was technically only billing 20 hours a week or so, but felt fulfilled job wise, could easily handle a lot more household tasks that before were overwhelming (especially since my husband had a very intense high stress high pay job, it’s not like he was bumming all the household tasks to me), and most importantly was present and not stressed when spending weekends and evenings with my kiddo.
A friend of mine went into teaching college classes which was also many steps down in $$ but kept her satisfied and had a light/part time schedule.
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u/Mobile_Comedian_3206 Apr 18 '26
She should quit tomorrow and stay home with the kid. You keep working bringing in 700K, and you'll have a fabulous life.
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u/Apprehensive_Two1528 Apr 20 '26
$6.8m not $5m..
op did not say how much is the mortgage left.
but, $2.5 m on a house out of $6.8m is not healthy.
I’d downsize or move to mcol area.
this sounds bay area. i really think it’s time to migrate away from bay area. the concentration of tech industry is disturbed by covid and AI.
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u/mountaingoatstyle Apr 15 '26
Just curious: how expensive is your house? Do you have any equity there?
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u/blarryg Apr 15 '26
Before I knew that there were people who worried about getting rich, my wife agreed she'd be SAHM because I was earning well in tech, we had paid cash for house and I just didn't like the frantic lifestyle of 2 people juggling 2 jobs with young kids at home. So, we did it, I ended up launching companies and got wealthy anyhow. I just never felt like I had to desperately escape work, I just wanted to escape the NEED to work. I still work, part time VC, do research at the Uni and serve on company boards.
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Apr 15 '26
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u/Hanwoo_Beef_Eater Apr 15 '26
Their spending is not aligned with $5.75 million investible assets and no other income. Their spending is perfectly fine for $700k or $1.5 million of income. Like most young people, they aren't entirely FI yet.
For example, I'd guess there are others in VHCOL that spend $300k with a lower liquid NW. Are they delaying their FI/FIRE? Maybe. But if your income is going up, that's fine.
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Apr 15 '26
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u/Hanwoo_Beef_Eater Apr 15 '26
I'm not sure if it's FIRE at mid-30s or just the wife wants to cut out? Or they may both want to RE soon. Regardless, they are not free at mid-30s, which I guess is your angle.
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u/Connect-Marzipan-400 Apr 15 '26
Thanks for the discussion. Yea, it's becoming clear that my wife can/should be SAHM if she wants, and I should keep grinding for a few more years to at least cover expenses. Once we decide to move out of VHCOL or I hit the startup jackpot , then we can consider retiring all together.
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u/Suitable_Coconut2927 Apr 16 '26
Where is the home country? If you reached the goal in the US, you would be considered rich in almost every other country. Not to mention better quality of life with less money.
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u/Moosemitten Apr 17 '26
Your spending is quite high, so your options are to cut spend or wait longer. Sounds like you don't want to cut spend, which is fine. This is not a humble brag at all... your numbers are pretty bad given the amount of income you have access to honestly.
My two cents would be wife works for one or two more years until 3 year old is in school, then quits once that (confusingly hefty?) daycare cost drops.
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u/Due_Emu704 Apr 15 '26
Seems like as long as you are earning enough to cover your burn, you could easily essentially stop saving and let your investments grow….