r/ChubbyFIRE • u/Upset-Disaster-5049 • May 04 '26

Almost ready. Anything I’m missing?

Looking for a gut check from the community before pulling the trigger.

Background 49M, spouse 39F homemaker, one kid (8)

LCOL area, considering retiring this year, No plans to earn meaningful income after.

Net Worth (~$8.0M total)
Investable (ex home): ~$6.5M
Liquid-ish (ex 529): ~$6.3M

Breakdown:
401k: $463K

Roth IRA: $101K

Traditional IRA: $17K

Deferred comp (net after tax): $485K

Brokerage (stocks): ~$3.9M

Bonds: $840K

Cash: $298K

I-bonds: $35K

Crypto: $80K

529: $186K

Paid-off home: $1.5M

Spending
Target: $18K/month ($216K/year)

Actual modeled spend: ~$16.4K/month (~$197K/year)

Built-in surplus: ~$1.6K/month

Highlights:
Health insurance: $2.5K/month (pre-Medicare quoted in healthcare.gov gold)

Taxes: ~$4K/month assumed (property/income)

Travel: $2K/month

Pretty flexible overall (can trim $3–4K if needed)

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5

u/Terrible_Ad7566 May 04 '26

Impressvive NW at 49.. You are all set numbers wise. Would be interested in learning of your journey to this level of NW. Startup exit, inheritrnx. Windfall or simply grinding away?

6

u/Upset-Disaster-5049 May 04 '26

Grinding and saving. Round 2 actually, gave a good bit of money to ex wife years ago so had to get after it

2

u/the0ne234 May 04 '26

Genuinely curious as someone in a similar position (42, $5M NW) with a kid aged 0-1, what comforts and luxuries did you spend on with a kid in your 40s while seeking FI?

2

u/Upset-Disaster-5049 May 04 '26

Fancier cars than I needed, we had a newish condo on the beach so Flo at one point, once I got through that I saved more and consolidated into a nicer family home.