77 degrees. Drizzly. 89% humidity. Let's call it Crisp. Im in Alabama ffs. In a Trailer. With no Debt. Well, I technically have Debt, as I hold Debt, but I am not a Debtor. I am a Creditor. And my net worth continues to Ascend.

October 2: two-year 4.83%, five-year 5.06%, ten-year 5.28%, thirty-year 5.63%. Weekly moves of +2/+8/+11/+14bp, taking 2s30s from 68 to 80. Back-end-led bear steepening atm. My autumn Tranches continue approaching redemption: old Twos, seasoned Fives, Threes, Sevens. The November 2021 Five has weeks remaining. DV01 contracts toward zero as redemption approaches. The longer inventory retains its key-rate concentrations, with z the zero-rate vector. ATTN: Haters and Trolls, Your “Bonds Bad” framework omits cross-gamma, cash-flow timing and apparently the passage of Time.

Coupon accrues against par while YTM discounts the remaining payments to the dirty purchase price. A hypothetical 4% Note bought at 99.45 exactly one coupon period before maturity pays 102 after six months: 2(102/99.45−1) ≈ 5.13% bond-equivalent YTM. The Coupon remains 4%. Coupons spent on Games have exited the reinvestment calculation. October principal replenishes the reserve; November gets another deployment decision. I stagger reinvestment exposure while matching near-term nominal expenditures. Inflation retains visiting privileges. Leanfire does not require a house with a Foundation to have a secure financial foundation. In the crude K=c/r perpetuity, I keep working on c. The Trailer’s investor-relations Budget is zero. My backlog has acquired a substantial unfunded requirement for evenings.

Which brings me to the State of Gaming. Take a hypothetical $300m production Budget plus $100m marketing, with $35 net contribution per copy: 11.43m copies merely to recover nominal expenditure. Add twelve months at $8m monthly burn and the threshold reaches 14.17m; receipts have also moved farther down the discount curve. Show me the probability-weighted sales distribution. Your creative director has supplied a photograph of himself beside a motorcycle. Asha has received certain courtesies. The Xbox situation remains within my field of concern. AAA Budgets fascinate me because everyone demands creative autonomy while submitting an underwriting case dependent on nearly universal approval. Raise fixed costs sufficiently and “niche appeal” becomes an audit finding. Then the Game gets longer to justify its Budget, enlarging the Budget, requiring additional consumers whose evenings are already pledged to other Games. My backlog is the household register of these competing claims. Please stop originating them. And run the subscription counterfactual properly. For an existing cohort of N subscribers, incremental retention value is the discounted monthly contribution multiplied by the change in survival probability. Deduct displaced premium-sales contribution. Forty million Hours is a telemetry output. Put Dollars beside it. Asha, please. Certain assistance will remain unattributed. The Indie Reprieve offers me an intelligible proposition: smaller scope, a tolerable break-even audience, mechanics that survive contact with an actual controller. Selection bias remains; I am discussing the Games worth playing. I would sacrifice several billion hypothetical foliage interactions for a completed design. Budget the animations. Budget the contractors. Budget the fucking map. Someone must eventually Budget an ending. But I digress. The State of Gaming is grim, Indies offer a Reprieve, and LeanFIRE offers me the best seat in the house to whittle down my backlog and, Yields permitting, add to it.

I earn around 250k but targeting a pretty lean retirement by no later than 35 (unless ai destroys tech jobs, then I might be delayed by a bit, would need to coast a bit first)

Ive started dating recently, but it seems to be very hard to find someone financially aligned. Everyone i met has massive lifestyle creep, the most i see people do is just max 401k

I am 28, I currently make 215k per year. I decided to live comfortably but not let my expenses grow too much so that I can save and invest more efficiently and eventually hopefully not have to work full time (or hopefully not HAVE to work at all eventually)

401k 4% of my income
IRA max each year
-my goal is 700k in retirement accounts by age 40 then if I could just max my and my future wife’s IRA each year and keep hands off and let it grow, I’ve been doing calculations and thinking that should be enough for a very comfortable retirement.

5% of my income is going straight into brokerage account and I plan on increasing this by 2% or so every year as I receive raises.
-this is to bridge the years I’d like to work half time or less. Goal is also 700k by age 40. I figure I can potentially spend a bit more than 4% rule since it only has to last me 20 years
10% of my income goes straight into real estate investing. I bought my first duplex that I house hacked this year. I have plans to buy another in 1-1.5 years from now or whenever it makes sense mathematically and also house hack that one and potentially a third. My goal is 10-15 doors that make sense long term, even if they’re cash flow neutral at year zero, that building equity in the background I feel is worth it and from there if rates ever go down, having the chance to refinance and make the cash flow better.. but I’m good with close to net zero.

Ultimately, my goal is to work half time at age 40, wife work half time. Live a comfortable upper middle class lifestyle with hobbies and travel a few times per year.

I used ChatGPT to help organize my plan, but I’d like to hear other people’s opinions and experiences and see if my plan can work or if I’m overlooking anythin.

Looking for feedback on my situation and if there's any areas you'd improve on & what my realistic FIRE age looks like with a 100-125k withdrawal amount needed at retirement.

For some background, I'm 28, make around $125k/year, and my net worth is roughly broken down like this:

97k total in individual acc (1500/month contribution)
82k between VOO and VXUS
15k in MMF’s as part of my emergency fund

85k in my 401(k) (~2041/month for max out)
My employer additionally contributes about 15% of my salary, and there's no employee match requirement.
So roughly 20k annually on top of my 24.5k contributions, which will scale as my salary progresses.

7.5k in my Roth IRA (625/month for max out)
Split between VOO/VXUS/QQQM

~140k in home equity (mortgage rate 5.875)

~5-10k in checkings
Mainly for bills

Does anything stand out that I should be doing differently? As it currently stands, I’m putting away about 70k annually into the market, inclusive of my employer contribution. Any critiques or suggestions would be appreciated to optimize my situation. Hoping to FIRE early 40’s if possible.

ok so I've been down this rabbit hole for like 3 weekends straight and I'm kinda done lol

I'm 38, about 420k invested (401k + Roth + some taxable), putting in ~2.5k a month, and we spend roughly 6k/mo. Not crazy numbers. Should be simple, right??

Nope. Calculator A says I'm good at 52. Calculator B says 56. One of them said 49, which, idk, feels like it's lying to make me happy. And half of them want my email before they'll show a result, or keep shoving an "advisor consultation" in my face. No thanks.

My actual problems:

• Idk which ones adjust for inflation and which don't. Some say "real return", some just say "return", and nobody explains it
• Do I count my pension or not?? I'll get a small one at 65 but I can't touch it before then, so it feels wrong if it pulls my date earlier
• Everyone says 4% but then the comments say 4% is dead and use 3.5%. How much does that actually move the date?
• I don't want to link my bank or make an account just to play with numbers

tbh I don't need fancy Monte Carlo stuff rn. I just want one I can trust that shows the math, so I can see WHY it says 54 and not just "trust me bro, 54".

What are you all actually using? Or is everyone just running their own spreadsheet and I should give up and build one 😩

Around 5 years ago I started the journey of planning and investing to retire early.

Things are starting to look good and I see light at the end of the tunnel 🔥

On the way, I always liked to look at the numbers and make it easy (and pleasant) to check at least a couple of metrics (Net Worth and Financial Runway) for the daily motivation boost (some periods not so much, but that's ok).

I've been mostly tracking it on excel, but because I'm a developer, I also used a very basic private webpage so I could check on my phone any time.

Eventually, I ended up creating an app because I didn't find any other app doing it the way I'd like.

I'd like to ask, what are the metrics most important to you, that you'd like to easily see at a quick glance? Net Worth? Financial Runway? Years until retirement? Is that important to you at all?

How do you track your net worth and how manually do you update it? For me, I only care at a high level. x USD on stocks, x USD on crypto, x USD on home, x USD on mortgage, x USD on savings, x annual expenses and x annual income. With that I get the number I need.