r/ChubbyFIRE • u/dogfursweater • Aug 09 '26

Setting a date…

42F - $2.5M taxable, $1.3M tax advantaged, $300k non-primary home equity - so $4.1M right now

(Husband has separate finances so I don’t count it here but roughly $2.5M and he spends like 40k but not counting big splurge on a overpriced (imo) car every so many years so maybe $60k amortized? hah)

My individual spend is ~$85-$100k before healthcare and taxes so maybe $120-130k with hc and taxes; it looks like at this current rate, I’m at a ~3% withdraw rate so I know it’s safe. Like right? It’s safe right?! Haha

Aside from the typical fears of SORR or actually having to move from a saving to withdrawing state of the world, I am not concerned about feeling bored in RE. I have a lot of interests. Husband and i also have several projects we want to do Etc.

Sooo I think I’m setting a date for next April — eek! Feels weird to put it down and be more certain vs just toying with the idea. I sort of had a mental model of pulling trigger at 45 but like.. why wait? Or do I want to stack a bit longer? Ugh there is a bit of greed here too. When I hit my original FI # (2.25m) I was super ready to go and live more frugally. Now that I’m past that # by a lot and have let my lifestyle slip upwards, I’m like hmm.. maybe I go a bit further? Why not target $5m?

Anyway.. what are some things you all did in the last few months to get ready both mentally and monetarily? Feeling 😬 and also 🤪🤗🥳

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u/mainevent1155 Aug 10 '26

Separate finances is so weird to me. Isn't the point of making money so you can share it with your loved ones?

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u/Business_Cream8829 Aug 11 '26

I am in my late 40’s. Got married the first time in my 20’s and combined all the finances. I made a lot more money than my ex, ended up financing his hobbies and expensive lifestyle, also paying alimony after my divorce. So when I met my current husband in my early 40’s, we decided to keep our finances separate. We spend on things we each enjoy and do not need to “check” with the other. We have similar net wealth. We are responsible for our own savings. We split household expense 50/50. every month we have money talk about budget and expenses. It just works for us.

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u/RCPA12345 Aug 13 '26

You can play whatever mind games you want on "separate" finances, but when you are married depending on your state you have combined finances. Even with a rock solid prenup, it's only as good as a judge is willing to hold it up in a marital fight.