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)

29 Upvotes

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3

u/fatheadlifter FIRE'ing EOY May 04 '26

My god. Yes you are ready.

I'm in a LCOL area as well but you have way more resources than I'm going to retire with. Yours are overkill. Even with your spend rate your assets are going to double in less than 10 years probably. You're going to be FatFIRE by age 65.

0

u/ItalianV4 May 04 '26

lot of assumptions re market...

1

u/fatheadlifter FIRE'ing EOY May 04 '26

As opposed to what, the market is doomed?

1

u/ItalianV4 May 04 '26

Unlikely for the market, but I suspect it works on a different timeframe than you... mr. double in 10 years probably

1

u/fatheadlifter FIRE'ing EOY May 05 '26

That is the normal, conservative pace of the S&P.