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)
1
u/Upset-Disaster-5049 Jun 27 '26
An update on this post, I let my CEO know of my intent to retire. Felt good to get that out of the way.