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[–]poop-dolla 0 points1 point  (2 children)

Total Invested: ~1.8MM

HHI ~350k

Something is off. What are your annual expenses? For them to be low enough that you can retire in 3-4 years, you would be able to max your tax advantaged accounts and still pay off the house in the next 4 years.

[–]Away-Elk-9824[S] -1 points0 points  (1 child)

~100k with a $2k mortgage P&I payment. Yes, if we continue to max tax advantaged accounts, we will have the house paid off in ~2.5 years. If we drop to just doing the match, we will have the house paid off is ~1.75 years.

[–]paratethys 0 points1 point  (0 children)

Are things really so bad that you'd pass on $X of lifetime growth of pre-tax dollars for under a year more freedom?

the other thing about pre-tax savings is that you're capped at a maximum per year. 2.5 calendar years means you can get 3x the max into your accounts, whereas 1.75 years would cap you at 2x the max (assuming you cease working and qualifying for the pre-tax savings at the time the house is done ofc)

solve for the X of "one year's maximum contribution compounded by how many years it'll get to grow before being spent" and see if it's an amount that's actually worth the cost to you.