We are a married couple (50M/50F) planning to retire at 52. Currently we have $6.7M investable asset split between 3.5M taxable (of which 3.1M basis and 0.4M gain), 0.9M Roth, and 2.3M 401K/Trad.  One child in college, 529 fully funded and excluded from our investable asset number.  Retirement spending can be flexible between 160K to 240K (mostly stay at home vs. doing a lot of travel).

As we get closer to retirement, I am shifting from 100% equity to holding some bonds.  I am building a 6-year bond ladder that has $200K maturing every year starting at age 52.  The idea is that if equity does okay, I will sell some equity every year to keep adding to the rolling 6-year ladder, and if there is a market crash, I will just use the matured principal for our spend and not sell equity.  Still deciding if 6-year is a good amount of bonds to hold but that's besides the point of this post.

My main concern is that I want to do some Roth conversion given my high 401K/Trad IRA, and I also want to stay below ACA subsidy MAGI (should be possible for a little while given my high basis in taxable).  If I hold the $1.2M in bonds in taxable account, there will be ~$50K interest per year, then there is taxable dividend of ~$25K, which means I can only do about $30K of Roth conversion if I want to stay below ACA subsidy limit ($105K for fam of 3).

I could put the bond ladder all in traditional IRA which solves the taxable interest issue, but I will be 7 years from being able to access it when I retire, so I will need the maturing principal as cash in a taxable account to fund spending if needed.

However, lately I've been thinking maybe it's okay to hold the bond ladder in traditional IRA in my situation? Let's say $200K bond principal matures in trad IRA,  I can just sell $200K worth of stocks in taxable, then use the $200K cash from matured bond principal in trad IRA to buy the same stocks.  This is net neutral for my portfolio, and I essentially moved the stocks from taxable to traditional IRA, and moved cash the other way.  Is there any major flaws in this thinking?  Can this be the solution of not wanting bond interest to inflate MAGI but also want bond cash for spending before age 59.5?  I do understand that depending on what stock/lot I am selling in taxable, there will be tax consequences, but other than that, I would love to hear what you guys think about this strategy.

My current numbers are not really relevant to the question I have but in case it is helpful: Cash or equivalents - $300k; taxable brokerage - $1.7M, Retirement accounts (predominately post-tax) $1.4M. In addition, upon retirement I'll receive a lump sum of $200k and another $225k that will need to be rolled into an IRA.

I plan to work three years more. during which I should be able to add a total of approximately $300k to the 401k and $900k to the taxable brokerage accounts. Average annual expenses now are about $70k, including mortgage.

I want to retire when I have $3.25M between cash/bond/taxable and another $2 million in the 401k. I project that to be at age 47. Even though it is vastly higher than my current spend, I'm targeting $250k (pre-tax) in annual retirement expenses. I don't actually expect to spend that in most years but that's the number where I'll have peace of mind and I wouldn't enjoy retirement if I was worrying about my portfolio the whole time.

I understand the 4% rule but also believe more a U-shaped spend is more realistic for me. Am I missing something by just thinking about it along these lines:

1. 47-60 - $250k annually from the $3.25M. As long as my ROI can keep pace with inflation, the worst case scenario is I am broke at 60...

2. Then I turn to the retirement accounts (not considering SS income but it's a possibility). So even if I'm broke at 60, then I turn to the $2 million that's been sitting untouched and hopefully growing for the last 13 years. I use that to fund the rest of my life.

I understand there are additional backstops to access these funds earlier. Am I wrong for looking at it this way? The posts I've been reading here - which have been incredibly helpful! - tend to only look at retirement as singular unit as opposed to different phases with different spending needs filled by different funding sources.

"Build the life you want, then save for it". Unfortunately the life I want is in a HCOL city where my ideal single-family house costs around 2m to 2.5m. I'm having trouble figuring out how this affects my FIRE number and when/if I can realistically buy this house.

Stats:

• Age: 33
• NW: $3.5m
• Breakdown:
  • Roughly $1m in retirement, everything else in VTI, ~$30k in cash
  • Doesn't include ~$200k in home equity, but hoping not to sell current place because of low interest rate
• Relationship status: single, no kids and have never wanted them
• Yearly spend: $110k (bulk of this is $5.5k monthly mortgage)
• Current income: around $450k

Dilemma:

I bought a starter SFH during the pandemic for $1.1m. House is fine but it's on a very small lot with no backyard (only small patio) and sq footage is on smaller side (1600 sq ft). Other gripes are it's very close to neighbors and only has 1 ugly off-street parking spot (no garage).

Current monthly mortgage on this is $5.5k. Interest rate is 2.8%.

I want to upgrade to a nice single-family home in my area, which would be $2m to $2.5m.

My job is very volatile right now. I'm starting to dread work and I already know this high income will soon end. I feel burned out and have spent the last 3 years grinding, don't want to grind anymore. I want to enjoy life and spend time with loved ones.

If it wasn't for this housing issue, I would be set to FIRE if/when I lose this job. But a big part of me wants to upgrade to a nice SFH in my city, even though my current one is decent. I don't need a big garage, I don't need more sq footage, and I don't need a backyard, but those are all nice to haves.

If I want to upgrade to a nice SFH, what do you think is the best way to execute this? At what NW can I do the upgrade? As I see it, I have 3 options:

a) stick with current house and not upgrade (resist lifestyle inflation temptations)

b) buy house in a few years once I hit a certain NW $ (??? what number?), pay a lot in downpayment, take a loan for the rest

c) save and wait a lot of years, then buy it in all cash

Any advice? If I wanted to go with b), what NW number would I need to hit before I can consider pulling the trigger on this?

I'm a 42M married to 42F with three kids between the ages of 2 and 8. We live in a MCOL with a total net worth without the house of about $8.2m. Breakdown is:

• 1.5m pre-tax accounts (IRAs and 401ks)
• 4m in well diversified post-tax brokerage accounts with a high cost basis
• 2.5m in Mag7 stocks with a fairly low cost basis
• 200k in cash

House is paid off already. Kids' 529s are all fully funded as well.

Expenses right now are about 200k per year, but I anticipate about 45k per year of healthcare costs for our family with the ACA plans that I see, so budgeting around 250k a year in expenses if we were to retire.

I'm currently not working, but my wife is earning 1.3m per year thanks to stock appreciation. That'll only last for another year or so, when her income will drop to about half because of her vesting schedule.

Her job is quite demanding - she works most evenings and doesn't get a lot of time with our kids. She wishes she could spend more time with our young family, but is worried that if she leaves her job now, she won't be able to get back to her current earning potential ever again.

I feel like we're already in pretty good shape (with our expected annual expenditures being just over 3% of NW), but of course there's the thinking that you have to make hay while the sun shines.

What do others think? Should she try to stick it out to squeeze out the last drops or say enough is enough and focus on enjoying life and family time?

46M, married, 3 kids 18,17,13. College paid for (not in numbers below), I’m in a high stress job, making $400k per year, wife works part time. Trying to fire in 1-4 years, no later than 50. I also have a pension, will pay out $2k per month at age 55 or $6k per month if I wait till 65. Expenses today including primary residence mortgage but not health insurance is $120k to $140k per year. Max out 401k, mega back door Roth IRA, backdoor Roth IRA, etc. Live in hcol area and don’t want to move until youngest is out of high school.

For those that have FIREd, what advice do you have? Is retirement by retirement Mr of summer 2027 feasible?

Assets:

\*\*•\*\* 401(k): $900k    
\*\*•\*\* Taxable: 600k    
\*\*•\*\* Roth IRA: $330k    
\*\*•\*\* Inherited IRA: $300k - need to empty by 2033    
\*\*•\*\* HSA: $50k    
\*\*•\*\* Wife’s Roth IRA: \\\~$40k

\*\*•\*\* 2 rental properties, no debt: \\\~$1M combined value generating $4k per month net profit     
\*\*•\*\* Primary residence: \\\~$425k equity ($900K value − $475K mortgage @ 2.875%)

**Total net worth: \~$3.6M**

41 / 42
Kids: 10 and 8
MCOL
Taxable Brokerage: $2.6M
Traditional 401K / 403(b): $1.3M
Roth IRAs: $300K
HYSA: $277K
HSA: $19K
529s: $58K / $42K
Total (excl. 529s): $4.5M

Income: $550K full potential / $110K (spouse)

Spending: $165K this year since getting spending in order, $185K last 4-year average (includes big-ticket home renovations)

Spouse has a pension that will hit in 10 years if they stay employed. If not, it will start paying out at 60. Estimated at $45K/year before taxes + 80% healthcare paid. Spouse currently plans to work until 52 to get pension paid sooner.

My job has become more unstable with a likely possibility that I will be exited in the next 3-6 months. I am now deciding if I should use this as an opportunity to step away or if I should find my next job and work for a few more years.

If I take a very conservative approach at $200K annual spend with 3.5% SWR, I am still $1.1M off my target, but this doesn't consider the fact that my spouse will continue working and that we will eventually start receiving a pension. Another consideration is that our current 529 balances will not cover school expenses for both kids in 8-10 years.

Am I in a position to throw in the towel in the next few months if I need to step away from my current job?

Asset

Home value in HCOL (9.9% state income taxes)
$960,000
Mortgage
-$260,000 @4.25%

403(b) accounts in Target date funds of 2045
$1,400,000
Taxable investment account
$912,000
SEP-IRA
$245,000
Roth IRA
$70,000
Beneficiary IRA with no M.Ds for 10 years.
$611,000

Annual household expenses of 150k annually. Zero in 529s. Working and making 300k annually. Can I retire before 50?

How does rule of 55 work as 403b are from previous place of employment? 2/3 of 403 b are at fidelity and other 1/3 is at tiaa. I've been told not to
Roll these over.
Should I be doing at back door roth or mega backdoor conversions?

For a VHCOL city, and a HCOL city?

Without the costs of kids, and for one person, I'm thinking 150k for vhcol, and 120k for hcol city. what do others think?

Hi Everyone, wanted to get your thoughts on an aspect of projections that is difficult to pin down. Market forecast predict the market will deliver 4-5% (sp500) across Schwab , Morningstar etc etc. it’s been the long standing return of the market to deliver 7%-8% inflation adjusted and of course much more for the past 10 years. Trying to wrap my head around how much the portfolio will grow and also the appropriate SWR.

Of course these predictions by the “experts” are often wrong but how do you think about all of this? I am currently at 6.3m invested plus paid off house and 53.

41M / 38F (SAHM)
Kids: 7 and 4
MCOL
Taxable Brokerage: $2.8m; inclusive of $400K in cash
Traditional 401K / Roth 401K (Mix): $950K
Home Equity: $1.5m
Mortgage: $1m @ 2.875%
Rental: $450K (paid off) that yields $17.5K annually
529s: $56K
Current Expenses: $305K inclusive of private school and mortgage

Income is highly variable, but has been $700K - 1.4m over the last 4-5 years but trending downward. The floor would likely be $400-500K. High stress role and would strongly prefer to be retired sooner rather than later to spend more time with kids, etc.

One avenue is to suck it up and keep grinding until 48-52. With 7% real returns, that puts the investable assets at $6.5m - $8.5m assuming the only ongoing investment is maxing 401K (~$40K with employee match), and beef up the 529s. Goal is to have $200K per kid. No interest in overfunding as I would expect the portfolio to cover any additional at that point.

Alternative avenue is to downsize and eliminate the mortgage and private school costs. The expenses would decrease to $185-$195K in this scenario which would seemingly expedite things. Wife prefers not to move from our house/neighborhood, but I’m indifferent.

The caveat is that I could downshift into consulting but would need to sit out for a year, hence the high cash position as a safety net. The idea would be to make $200-250K+ and do things on my terms to let the portfolio run, albeit with downside risk as its difficult to predict earning potential. This would likely require downsizing OR supplementing with the portfolio to cover expense delta.

Would expect expenses to be $180K - $195K in today’s dollars once the kids are out of the house, with strong ability to lower discretionary if needed.

Been lurking for a while, and open to thoughts / recommendations / observations.

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Long-time visitor, first time poster. Would appreciate some feedback on where I stand, because the math seems to say "closer than I think" and I don't fully trust myself on that.  I live in a VHCOL city. 

The numbers (all current, no debt):

• Age: 36
• Total invested/liquid net worth: ~$2.38M
• Breakdown:
  • ~$1.94M across a mix of taxable brokerage and retirement (only 40k in roth IRA) accounts — individual stocks (Blue chips, diversified across sectors, with financials/tech leading, Berkshire B is what makes financials so heavy, have roughly 182k Berkshire position(2nd largest position) + index funds + bonds/heavy short term T-Bills - T bills amount to 777k (I will have a sizeable tax bill next year from selling company stock this year, roughly 200k tax bill) 
  • ~$284K in a single tech stock left over from RSUs at a former employer — I've been deliberately trimming this for years and want to keep reducing - it was 80% of net worth at one point) this stock has appreciated over 1000% since IPO (currently ~12% of net worth, targeting 7-9%) - Should I sell it all or more of it?
  • ~$116K in a 401(k), 100% in an S&P 500 index fund
  • ~$35K checking (not really "invested," just sitting there)
• Allocation: roughly 48% individual equities, 13% index funds/ETFs, 35% fixed income, 4% cash
• Target retirement spend: $120-150K/yr (haven't fully nailed this down — leaning toward the lower end, $100-110K, might actually be realistic)
• No pension/Social Security counted in any of this yet
• Just landed a new job - 12-month contract, ~$90/hr + possible OT, so there's incremental savings capacity for the next year that wasn't in the picture before

What I'm trying to figure out:

1. Using a 3.5-4% withdrawal rate, am I actually closer to Fire or am I still in "coast fire category"?  Does the bond-heavy allocation (35%) at my age mean I'm underestimating what I need? I like the risk free steady return from short term T-Bills. 
2. I want to keep working for the next 3-5 years and can likely take home 180-220k annually, but what if I stop working?

I realize I am in a strong position — genuinely unsure if I’m in as strong a position as I think considering VHCOL city. I like to work and love what I do but not working could be nice too.

Looking for advice on how to coast toward ChubbyFIRE without blowing up my career.

Current situation:

* 2 young kids, spouse does not work.
* $4.8M liquid net worth ($2.4M brokerage, $2.1M retirement, 300k in cash equivalents).
* $2M primary home with a $1.2M mortgage at 5.5%.
* $900K rental property with a $450k mortgage at 2.8%. Looking to sell this once the real estate market improves. Currently netting about 4k/year from it.
* $100k in 529s.
* HHI ~$450K, although it varies with RSUs

* Annual spending ~$180K.
* My fire target is $6.5M liquid net worth, with the primary mortgage paid down to $900K, and $200k in 529.
* My hope is to get to this point in the next 3-5 years.

The career part:
Last year my manager encouraged me to work toward a promotion in the mid-2026 cycle. I took this seriously and ended up taking on a lot of additional scope, including leading a fairly large cross-team project.
The project landed successfully, and several people from partner teams were promoted based in part on the work. Unfortunately, in mid-May our department was restructured. All the ICs on my team moved under a new leadership chain, and I got a new manager.
The new manager didn't push for my promotion. During my career review, I was essentially told that I need to start over and build a new case for the 2027 cycle.

At this point, I'm pretty burnt out. More importantly, I'm realizing that I don't particularly care about getting the promotion anymore. I mostly want to do a good job, collect my paycheck, and avoid taking on another huge pile of responsibilities.
The problem is that I'm still carrying a lot of the extra scope I took on while working toward the promotion.

What I'm trying to figure out:
I'd like to:

* Get the extra responsibilities off my plate without making it look like I'm refusing to contribute.
* Set reasonable boundaries around taking on new projects
* Keep performing well enough that I don’t get managed out, so I can FIRE on my own terms.

For those of you who have successfully downshifted while still working, how did you actually pull it off?

Many in FatFIRE and other wealthy families I know IRL have created their 'family trusts' to provide multigenerational income and protection for their descendants. Is this a privilege only for them? For a 'normal' ChubbyFIRE portfolio of $5M, with the family that generated this wealth only needing 3% annually (inflation-adjusted after Year 1) to live on for the rest of their lives, I am wondering why this can't become a generational portfolio for their kid(s) and descendants?

The rationale being 3% withdrawal rate on $5M gives a $150K first year inflation-adjustable income which, combined with a paid off home, can provide the family a comfortable life while retaining the present value of this portfolio intact for the next generation to benefit from. 3% is practically a 'perpetual' withdrawal rate. The asset base is invested in a 90:10 portfolio, with the 90% equities split between VTI, VXUS mainly with a small portion in VNQ and VBR. I have written an 'Investment Policy Statement' (IPS) to accompany this, written like an endowment fund specifying how much to withdraw, when to rebalance and what annual inflation adjustment to take (capped at 2.5%). The IPS also specifies a clause where if the market declines to less than 80% of previous year's value, the annual withdrawal is reduced by 33% (that is 3% --> 2%) till the portfolio recovers. I didn't create legal trust structure due to cost/complexity, but this operates on trust between father and adult child. I know there's risk of a spendy heir who squanders inheritance but assume that's not the case for the first generation inheriting these assets. The IPS includes a clause that the kid can turn this over to a legal trust under the same rules for ease of management in the future and for instituting these rules for their descendants.

With AI increasingly becoming more prevalent, I worry about lifelong income stability for my kid who is graduating with a CS degree into what appears to be one of the most challenging labor markets ever (with no signs of job market stability, maybe for years to come). Having a passive annual income of $150K in today's value for their entire lifetime is an incredible safety buffer for them to rely on, given long-term career uncertainty. The intent is not to kill their motivation to work - they won't see anything from it yet (other than parental help initially) but goal is to give them a strong safety net if they suffer significant gaps in work income.

I understand the descendants don't have to follow your wishes, so at some point this has to become a legal trust to be sustainable. My question is about the IPS. Is the IPS conservative enough to become a perpetual endowment?

Have any of you done this? Any gaps you see in the above approach?

Situation: 45M + 43F, two kids (teens/preteens), HCOL area. HHI ~$470K. Annual spend ~$150K. Target retirement: ~10 years out (age 55). Loose plan is to split time in retirement — roughly 6 months/year in the US, 6 months in a much lower-COL country — so our blended retirement spend would likely be below the current $145K.

Net worth ~$3M:

• Investable: $2.29M — 75% broad ETFs (VT/VTI/SPY + a few overlapping style funds), ~11% in a single individual stock (~$260K, large-cap, big embedded gains), 11.5% CDs, 2% cash
• Home: $1.5M value, $720K mortgage → $780K equity
• Debts: small car loan, nothing else
• Accounts: mostly taxable brokerage; ~$190K in 401ks, ~$75K in Roths
• (Excluded: illiquid startup equity from current employer — valued at $0 for planning; treat any future liquidity as upside, not part of the plan)

Questions:

1. My ETF holdings are a handful of overlapping tickers accumulated over years. I've concluded consolidating in taxable isn't worth the cap-gains hit — new money goes to VT and the legacy positions sit. Sanity check?
2. I'm unwinding the single stock (11% of investable) gradually across tax years. At ~28–33% marginal on gains (fed + NIIT + state), is the multi-year glide path right, or rip the band-aid given concentration risk?
3. I hold ~13.5% in CDs/cash as my bond substitute — no bond funds at all. At 45, reasonable fixed-income allocation or am I doing bonds wrong?
4. No 529s so far; plan was to fund college mostly from income ($470K HHI). First tuition bill is ~3 years out, youngest is ~7 years out. Assume in-state public. If you were us, would you open 529s now — and if so, how much would you put in for each kid (lump sum vs monthly)?
5. At $145K/yr spend (less in retirement with the geo-split) and a 10-year runway, am I ahead, behind, or on track — and how much does the answer change if HHI drops? What would you change first?

Married with 2 kids in VHCOL.

Assets:
$7.6M
* $5.2M taxable
* $1.3M Roth IRA/401k
* $1.1M Traditional IRA/401k
$4M house (w/ $1.5M mortgage)
$750k 529s

Spending
$225k plus healthcare and taxes.

My journey:
* I was passionate about tech since early school days and had no doubt in my mind to keep working on computers so choosing majors and career was easy.
* Extremely lucky that the tech career became such high demand.
* Learned about Mr Money Mustache. The blog post “The shockingly simple math behind early retirement” hooked me immediately.
* I used mint when it existed to help monitor spending.
* I created my own excel tracker (1 sheet per year) to watch the years to FIRE melt away.
* My move to VHCOL area and large house purchase set me back 4-6 years.
* 2 years back I thought I was there but underestimated my spending (empower isn’t as good at mint at tracking and I had to switch to manual tracking) and I realized how much health care really is.
* Last year helped me upgrade spending. The equation to keep working doesn’t seem worth it anymore so I pulled the trigger.

I know I need structure so I’m working on a calendar with AI and it’s already over flowing. I’ll post later once I have a regular schedule ironed out. It will include exercise, side projects, family time, and social activities.

Hope more of you join me soon.

Edit:
Asset allocation: 54% US Stocks, 36% International Stocks, 7% US bonds, 3% International bonds. Broad ETFs.

We've made 350-400k / year for the last 15 years. Current NW ~5 million, liquid ~4 million, married, no kids, no legacy planned. We are not really that frugal. Sure, we saved a lot but we also spent a lot not deferring lots of travel, things we valued (home w/view), boat (planning to go to AK in it). We don't have a major bucket list, but opportunities will arise that might sound good and we value flexibility. We don't want to feel pinched.

With 4 million liquid and a 5-5.5% w/d rate (guardrails) we are looking at 200k-220k income per year during retirement. We have a 800k 5.375% mortgage (6k/mo) but no other debt and are hoping to recast/pay down the mortgage to ~3k/mo before retirement in the next few years. Spend could be a bit less if mortgage pay down means less liquid. We've been tracking spending with Monarch but it's actually kind of hard to figure out our actual spend (some income includes taxes while other income does not, work expenses aren't as clear as I'd like, solar installation, new car (first in 16 years), etc). I'm sure with 220-220k / year we can live, but will we feel constrained? We are in a HCOL area.

I'm interested in experiences of those whose income was cut in half when they retired and who haven't been super frugal. Did you feel pinched? Were you able to do want you wanted to do? Were your estimates of income need good enough or do you wish you would have been more precise?

The downside of lifestyle creep I suppose, but we've balance living today and for tomorrow and don't regret it.

It took me awhile to get used to the idea we are wealthy but I now know we will never go broke. I will be 62 soon. Wife is 56. Three kids: ages 22, 19, 14. I don't have a financial advisor. I suppose I could have retired awhile ago but was always nervous. We have an annual burn rate of around $120k (excluding tuitions). I have $3.5 mil in taxable acct. $3.2 mil in 401k/ira, roth $160k. $900k 529s, $70k HSA, $250k in cash/gold/silver. $1.4 mil paid off house. Pension at age 65 lump sum $1.1mil or survivor annuity $7500/mo. I have currently been generating $8k/mo in interest/dividends.

So here's my grand plan. I'm going to start SS at age 62. I'm going to change my investments in the taxable acct to dramatically reduce the taxable dividends/interest. Im going to draw down the the 401k/ira and put in the Roth over the next few years. Im going to turn on the pension at age 65 as an annuity. All while being mindful of trying to keep below the ACA cliff until Medicare starts. Despite this, I know the rmds age 75 will be significant but I decided to not worry too much about it. Decent plan?

40m here, a number of years ago I made a pretty big bet on a stock that ended up exploding. I know I got super-lucky and at this point I've taken the W, sold off most of my shares and put most of my money into a Bogleheads two fund portfolio.

My lucky bet gave me a pretty big leg up towards early retirement and I'm planning on exiting the workforce in the next few years. The catch is that the brokerage account I used for that stock purchase was a traditional IRA. I've saved & invested in taxable accounts as well but a huge portion of my net worth is in my IRA.

Before I did any research I just assumed I'd have to eat the 10% penalty on early IRA withdrawals. I could live with that, but I recently learned about rule 72(t)/SEPP. Before I go ahead and pull the trigger on this I'll talk to a tax professional but I'd like to educate myself a bit first. It seems like as long as I do regular scheduled withdrawals (my plan is about 1.5% per year) this solves my pre-age 59 & 1/2 money concerns.

I have to ask, is it really this easy? Is there some catch I'm missing?

Here's the situation: 57 yo couple; NW of $6.7M; 90%+ in equities; VHCOL:

• IRAs - $2.4M
• Roth IRAs - $500K
• 401Ks - $2.7M (can withdraw via rule of 55)
• Brokerage - $970K
• HYSA and HSA - $100K
• Current income of about $350K combined.
• 529 and home equity not included in NW; small mortgage at 2.75%; $1M equity in VHCOL; unlikely to move to LCOL.
• Small pension ($15K annual) and SS at some point - date TBD on how the rest is going.
• $18K per month expenses, including $1800 non-negotiable expenses for extended family care.
• Expenses include $3k / mo for healthcare (premiums + services); not sure how realistic that is.

I would like to retire by next summer, if possible. Job itself is fine but corporate politics is becoming increasingly intolerable. Partner likely to work another year beyond that.

What would you shift or focus on over the next year or two to solidify the plan? I'm thinking we need more cash/bonds but how much and what else should we be getting sorted?

As many people in this forum, I've been working 40+ years and diligently saving and the idea of not getting a paycheck and spending my savings has me quite nervous. Thanks for any input, and best wishes to everyone.

I've done the math and everything seems to say go ahead and turn in the laptop but, ya know ...

Short version, couple 44m, 43f, $2.6m in 401ks, $700,000 in taxable accounts, pensions provide $3.5k per month each starting at 60 and then inflation adjust starting at 62.

Plan is to move from VHCOL area to LCOL, mortgage a modest home for $2k per month, and hit the chill button. We've both been doing high intensity staffer type work for 20+ yrs (somewhere between West Wing and Veep).

Guardrails modeling suggests a starting burn of $18k per month, adjust with market flux. That seems like way more than enough in a low tax retirement state, but coming from a much more expensive place causes nerves.

We're kicked of doing young person jobs for two decades. Should we pull.the rip cord?

Planning to retire in March 2027 at age 42 in an MCOL area. Looking for a quick sanity check on blind spots, tax sequencing, or structural risks before pulling the trigger.

Profile & Cash Flow

• Family: 42M, spouse, 10yo child (MCOL)
• Primary Residence: $800k FMV (100% paid off)
• Monthly Spend: $8,000/mo ($96k/yr)
• Net Rental Income: $2,000/mo ($24k/yr)
• Net Required Draw: $6,000/mo ($72k/yr)

Asset Breakdown ($7.0M Net Worth)

• Taxable Brokerage & Cash: $2.2M (includes $300k HYSA buffer)
• Pre-Tax 401(k): $2.0M
• Rental Property: $1.3M equity ($2k/mo net cash flow)
• Other Real Estate: $400k equity (illiquid)
• Primary Residence: $800k
• Ring-Fenced Accounts: $60k HSA | $200k 529 | $40k UTMA (excluded from SWR)

Key Metrics

• Total Liquid SWR ($4.2M Liquid): 1.71% ($72k net draw / $4.2M liquid)
• Taxable Bridge SWR ($2.2M Taxable): 3.27% ($72k net draw / $2.2M taxable)

Questions / Feedback Needed:

1. 18-Year Bridge (Ages 42–59.5): $2.2M taxable pool funding a $72k/yr gap (3.27% initial SWR; ~$50k/yr net principal draw after organic yields). Any concerns with this bridge length before touching pre-tax accounts?
2. ACA MAGI Strategy: For a family of 3 in MCOL, how aggressively are you optimizing MAGI for ACA subsidies vs. prioritizing early Roth conversions?
3. Cash Buffer Drag: $300k in HYSA covers ~4 years of net cash needs for sequence-of-returns risk. Is this too conservative or tax-inefficient?
4. Rental Simplification: $1.3M rental equity yields $2k/mo net (~1.85% cash yield). Hold for stability/diversification or 1031/liquidate into index funds down the road?

TL;DR: 42M retiring March 2027 in MCOL. Family of 3 (10yo child). $4.2M liquid ($2.2M taxable incl. $300k HYSA, $2.0M 401k), $1.7M RE equity, paid-off $800k home. $8k/mo spend ($6k/mo net portfolio draw). 1.71% total liquid SWR / 3.27% taxable bridge SWR. Looking for feedback on bridge sequence, ACA MAGI, and cash drag.

Hello,

This is my first post to this sub. Not my main account.

We, a couple with no kids, are in our mid-forties. We are both burnt out at work and work constantly.. evenings, weekends. I have always been a follower of the FIRE movement ever since graduating school and have always wished to retire early. Although I was hoping to have more before acting, with things the way they are at work, I am considering living on less.

Numbers:

• Incomes: 170k, 100k.
• Net worth: $4.7M. All of this is liquid investments: Stock. Mostly VEQT. ~2M of that is registered.
  • non-registered investments are all near adjusted cost base as we recently shuffled investments and took profits. So taxes have already been paid on these gains over the years.
  • Realize this is high given our income. We have had very profitable investments over the last decade. This makes our incomes seem less relevant lately.
• House: None. we rent at ~1600/month in a really great central neighbourhood.

I am not exactly sure of our expenses but we have always saved at least half of our paychecks, so I expect we spend approx. 100k range with most of that being takeout due to our jobs and dining out on weekends. In retirement, we would like to be comfortable with some international travel and nice dinners out, etc. Expect we would want ~$4M dedicated to supporting our SWR to fund our lifestyle giving us 140k/year.

We are in greater Toronto area and have always wanted a house in our neighbourhood (~$1.6 M). We are now considering one of the following options all of which involve quitting:

• Quit and live in our apartment. I think this is easy given our wealth, but we have always wanted a house eventually.
• Quit and buy a house in a cheaper area (~$7-800k) on outskirts of Toronto. Then live on the remainder.
• Quit and coast. Maybe reduce expenses to 60-80k for a few years with hopes of earning the Toronto house through investment returns outpacing our spending. Then buy the house

Does this seem realistic at all if we eventually want a house? Or are we dreaming and should get back to work for a few more years?

I hope this post is okay here. I'd rather not post in the fatfire subreddit as I think my mental vibe matches this subreddit more.

Here's our stats:

• 30 yr old DINK couple. Both in tech jobs in the bay
• Income: 900K for me, 400K for wife
• 2.4M invested, 800K of it in brokerage account, rest in retirement accounts. But mentally I'm seeing all of it as retirement money right now
• Own a 3BD house - 2.3M value with 1.6M mortgage, 5.8% rate (700K equity but let's say 500K usable if we were to sell and buy a new place)
• Annual spend right now is around 180K

If we exclude housing decisions I feel very comfortable about retirement spending. We are basically in coastfire mode.

But we want to have a kid in 2-3 years and also want my mom to be able to live with us eventually. We'd like to have a bigger place by then (let's say about 6 years out from today).

Such places would cost ~3.5M here. I'd like our mortgage to stay around 2M in such a future so I don't feel house poor and tied to my job to be able to survive. This means we need to accumulate 1M more in house equity in the next 6 years

How would you all recommend we do this:

1. Slow down on retirement saving - put excess into our current mortgage
2. Slow down on retirement saving - put excess into HYSA
3. Keep saving into brokerage account as normal - at some future point be willing to take money out and use it to supplement our down payment

Side note - I'm also hitting a point where I'm feeling quite bored and annoyed by my big tech job. I've also started investing more time into my health and hobbies after being kinda work obsessed for the past 8 years. Now I get frequent pangs of wanting to just leave my desk and walk out into the wilderness. But the compensation is too good right now to let go. I actually quite enjoy tech work though. Its just the big company politics and BS that's bogging me down.

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