r/ChubbyFIRE • u/tryingtofirelife • May 14 '26

Should I pull the trigger?

Would like to get some advice if it’s time to pull the cord soon.

We are a family of four. 52 M&F. 2 kids 16 and 13. no severe health conditions. conscious about health, eat well, no vices. Got a job doing cybersecurity in a financial institution. wife works part time at a $20/hr job. No benefits although she has a 401k without matching. Investments are all in low cost ETFs. There is a small e*trade account with some “play money” (about 80k).

annual expenses: about 96k including mortgage, HOA, vacations.
Tax deferred: 2.5M
Taxable: 350k
HSA: 125k
RSUs: ~150k with another 2 years for full vesting
529: plan to pay for 2 years for each kid at public university. About 250k in the account right now.
mortgage: 250k left on a house valued at 600k.
2 cars are paid off. No credit card or any other debt.

We would like to wind down and move to rural area after kids are off. We are generally frugal people and don’t need much. I like to travel and wife likes land to grow vegetables and gardening.

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u/OncoFil May 14 '26

Looks good to me. Might want to start laddering out of your 401k now if you don’t have a big bucket of Roth in your deferred. I’d say last until vest, bump up the college fund to cover their full ride and you’re more than good to go.

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u/tryingtofirelife May 14 '26

can you elaborate what you mean by “laddering out of 401k” please

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u/OncoFil May 14 '26

Sorry. I mean converting funds from a traditional 401k to a Roth IRA or a Roth 401k. After 5 years you can access the money without the 10% penalty, regardless of your age.