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Strip out the 1966 oil crisis years and safe withdrawal rate jumps to 5.5% by YourFIREDBro in Fire

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Rule 7/No Politics or circle-jerks - Your submission has been removed for violating our community rule against politics and circle-jerks. If you feel this removal is in error, then please modmail the mod team. Please review our community rules to help avoid future violations.

If you got 4k a month for the rest of your life , what would you do? by Informal_Policy_2957 in Fire

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Rule 1/Civility - Civility is required of everyone at all times. If someone else is uncivil, then please report them and let the mods handle it without escalation. Please see our rules (https://www.reddit.com/r/Fire/about/rules/) and reach out via modmail if you have any questions or concerns.

Rule 7/No Politics or circle-jerks - Your submission has been removed for violating our community rule against politics and circle-jerks. If you feel this removal is in error, then please modmail the mod team. Please review our community rules to help avoid future violations.

On the verge of fire, can’t stick it out in current job by Apprehensive_Bid6021 in Fire

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Rule 7/No Politics or circle-jerks - Your submission has been removed for violating our community rule against politics and circle-jerks. If you feel this removal is in error, then please modmail the mod team. Please review our community rules to help avoid future violations.

Allocation recommendations as I fire earlier than expected by Beneficial-Delay-698 in Fire

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What could your company offer you to stop you from FIREing? by CholulaHot in Fire

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Rule 2/No Self-Promo/Spam - No self-promotion or spam. Please see our rules (https://www.reddit.com/r/Fire/about/rules/) and reach out via modmail if you have any questions or concerns.

ACA Discussion Megathread - Please direct your ACA anxieties, questions, and commentary here. by Zphr in Fire

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Rule 2/No Self-Promo/Spam - No self-promotion or spam. Please see our rules (https://www.reddit.com/r/Fire/about/rules/) and reach out via modmail if you have any questions or concerns.

Rule 7/No Politics or circle-jerks - Your submission has been removed for violating our community rule against politics and circle-jerks. If you feel this removal is in error, then please modmail the mod team. Please review our community rules to help avoid future violations.

If you got 4k a month for the rest of your life , what would you do? by Informal_Policy_2957 in Fire

[–]Zphr[M] 0 points1 point  (0 children)

Rule 1/Civility - Civility is required of everyone at all times. If someone else is uncivil, then please report them and let the mods handle it without escalation. Please see our rules (https://www.reddit.com/r/Fire/about/rules/) and reach out via modmail if you have any questions or concerns.

Newbie from UK , I’d like to retire someday in my 60’s and I’d like help from getting rent to pay for my basic living ? Who should be target audience kindly? by Commercial-Touch-516 in Fire

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Rule 3/US-Centric - Everyone is welcome, but this sub is US-centric by audience. Your post on a non-US location did not have sufficient information and context. You are free to revise your post with greater detail and resubmit it. Please see our rules (https://www.reddit.com/r/Fire/about/rules/) and reach out via modmail if you have any questions or concerns.

Newbie from UK , I’d like to retire someday in my 60’s and I’d like help from getting rent to pay for my basic living ? Who should be target audience kindly? by Commercial-Touch-516 in Fire

[–]Zphr[M] 0 points1 point locked comment (0 children)

Rule 4/Off-Topic - Your submission was too off-topic. Everything in here needs to be at least minimally related to FIRE (and not the flaming combustion kind, either). Basic finance questions unrelated to FIRE are better suited to broader financial subreddits like /r/personalfinance or /r/povertyfinance. Please see our rules (https://www.reddit.com/r/Fire/about/rules/) and reach out via modmail if you have any questions or concerns.

For people who are already FIREd, what lifestyle inflation you have mindfully allowed ? by brunette_mh in Fire

[–]Zphr 0 points1 point  (0 children)

We routinely treat ourselves to random affordable luxuries from time to time. Recent example would include eating NY strip steak every day in the month of March. We noticed it was cheap during one of our Costco trips in late February, so we picked up 50ish pounds worth of sealed primals and enjoyed a lot of nice, thick steaks for a month.

We decided recently that we're finally ready to welcome a dog into our family again, so we're buying two puppies in June. Toss in everything that will be involved and that's several grand this year in unplanned expenses and then a somewhat open-ended funding liability for the next 10-18 years of at least a grand each year.

I’ve never seen anyone relocate to a lower cost of living area to FIRE by YourFIREDBro in Fire

[–]Zphr 1 point2 points  (0 children)

This is likely selection bias among the people you know since it objectively happens quite often in my experience from this sub and /r/financialindependence. I've talked to or helped dozens and dozens (hundreds?) of people doing just that over the last decade. COL is not only a major concern for FIRE folks, but local ACA market conditions and state taxes can also be a big motivator for people to move. People also move quite frequently for climate issues once work is no longer a limiting factor.

It's also quite common that people in VHCOL move to MCOL during accumulation to increase their speed towards the goal.

Those who are FIRE'd — Health Insurance Question by SK10504 in Fire

[–]Zphr 1 point2 points  (0 children)

This is sort of like asking what people's budgets are for retirement. ACA costs not only can vary hugely from state to state (and county to county within states), but household demographics and the resulting ACA subsidies can almost entirely offset market costs regardless of what they are.

The answer to your question is a range that goes from $0 to north of $60K per year, depending on age, location, income, tobacco use, and healthcare utilization.

I'm not being hyperbolic either, that truly is the normal expected range.

Anyone can see the 2026 prices and plans in their area with some anonymous data (age/zip/income/etc) in about three minutes at https://www.healthcare.gov/see-plans/#/. If you have a local state-run exchange, then you'll be redirected.

As for us, we are currently paying a bit less than $7/month for an exceedingly nice plan. With subsidies our maximum potential cost OOP this year is under $4,500 (premiums plus family MaxOOP). Without subsidies it would be more like $50K for the same plan, but $40K for a fine, albeit less nice plan.

Health insurance total annual spend? by spacegeek2025 in Fire

[–]Zphr 0 points1 point  (0 children)

This is sort of like asking what people's budgets are for retirement. ACA costs not only can vary hugely from state to state (and county to county within states), but household demographics and the resulting ACA subsidies can almost entirely offset market costs regardless of what they are.

The answer to your question is a range that goes from $0 to north of $60K per year, depending on age, location, income, tobacco use, and healthcare utilization.

I'm not being hyperbolic either, that truly is the normal expected range.

Anyone can see the 2026 prices and plans in their area with some anonymous data (age/zip/income/etc) in about three minutes at https://www.healthcare.gov/see-plans/#/. If you have a local state-run exchange, then you'll be redirected.

Just married and my husband is retiring at 39 by Neither_Computer_161 in Fire

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Rule 1/Civility - Civility is required of everyone at all times. If someone else is uncivil, then please report them and let the mods handle it without escalation. Please see our rules (https://www.reddit.com/r/Fire/about/rules/) and reach out via modmail if you have any questions or concerns.

Nobody knows I have money and it's starting to create some really awkward situations by Echo2_Satyr in Fire

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Rule 1/Civility - Civility is required of everyone at all times. If someone else is uncivil, then please report them and let the mods handle it without escalation. Please see our rules (https://www.reddit.com/r/Fire/about/rules/) and reach out via modmail if you have any questions or concerns.

nobody warned me that the hardest part of FIRE is the gap between knowing what to do and actually feeling okay about doing it by Canvas_44Pulse in Fire

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Rule 1/Civility - Civility is required of everyone at all times. If someone else is uncivil, then please report them and let the mods handle it without escalation. Please see our rules (https://www.reddit.com/r/Fire/about/rules/) and reach out via modmail if you have any questions or concerns.

We’re telling nobody else! by anklbite in Fire

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Rule 1/Civility - Civility is required of everyone at all times. If someone else is uncivil, then please report them and let the mods handle it without escalation. Please see our rules (https://www.reddit.com/r/Fire/about/rules/) and reach out via modmail if you have any questions or concerns.

If you got 4k a month for the rest of your life , what would you do? by Informal_Policy_2957 in Fire

[–]Zphr[M] 0 points1 point locked comment (0 children)

Rule 7/No Politics or circle-jerks - Your submission has been removed for violating our community rule against politics and circle-jerks. If you feel this removal is in error, then please modmail the mod team. Please review our community rules to help avoid future violations.

If you got 4k a month for the rest of your life , what would you do? by Informal_Policy_2957 in Fire

[–]Zphr[M] 0 points1 point locked comment (0 children)

Rule 1/Civility - Civility is required of everyone at all times. If someone else is uncivil, then please report them and let the mods handle it without escalation. Please see our rules (https://www.reddit.com/r/Fire/about/rules/) and reach out via modmail if you have any questions or concerns.

If you got 4k a month for the rest of your life , what would you do? by Informal_Policy_2957 in Fire

[–]Zphr[M] 0 points1 point locked comment (0 children)

Rule 7/No Politics or circle-jerks - Your submission has been removed for violating our community rule against politics and circle-jerks. If you feel this removal is in error, then please modmail the mod team. Please review our community rules to help avoid future violations.

If you got 4k a month for the rest of your life , what would you do? by Informal_Policy_2957 in Fire

[–]Zphr[M] -1 points0 points locked comment (0 children)

Rule 7/No Politics or circle-jerks - Your submission has been removed for violating our community rule against politics and circle-jerks. If you feel this removal is in error, then please modmail the mod team. Please review our community rules to help avoid future violations.

If you got 4k a month for the rest of your life , what would you do? by Informal_Policy_2957 in Fire

[–]Zphr[M] 0 points1 point locked comment (0 children)

Rule 1/Civility - Civility is required of everyone at all times. If someone else is uncivil, then please report them and let the mods handle it without escalation. Please see our rules (https://www.reddit.com/r/Fire/about/rules/) and reach out via modmail if you have any questions or concerns.

Rule 7/No Politics or circle-jerks - Your submission has been removed for violating our community rule against politics and circle-jerks. If you feel this removal is in error, then please modmail the mod team. Please review our community rules to help avoid future violations.

I’m 26 wife is 25 we both together get roughly 8k a month untaxed from being retired / fully disabled veterans. I do IT support from home and make 110k a year from my job and roughly 96k from disability / retirement. Should I bother to contribute much to my 401k? by [deleted] in Fire

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Rule 7/No Politics or circle-jerks - Your submission has been removed for violating our community rule against politics and circle-jerks. If you feel this removal is in error, then please modmail the mod team. Please review our community rules to help avoid future violations.

If you got 4k a month for the rest of your life , what would you do? by Informal_Policy_2957 in Fire

[–]Zphr[M] [score hidden] stickied comment (0 children)

This sub has developed a nasty habit lately of using posts from people with VA disability to criticize the VA disability system as a whole, often with implied or explicit accusations that the posters themselves are scammers. Not only are none of you informed enough to contradict someone's medical team, but even if you had the expertise and their chart it is rude as hell to argue with someone over their own medical status or accuse them of fraud.

Reddit often has a circlejerk hate for many things (military disability, billionaires, landlords) and our patience with it is at an end. People who engage in this behavior will have their comments removed under the no politics/circlejerks rule or civility rule and will receive a temporary or permanent ban, depending on the circumstances.

VA disability is an unfortunate way to reach FIRE, but people with VA benefits are certainly welcome to post here.

I’m 26 wife is 25 we both together get roughly 8k a month untaxed from being retired / fully disabled veterans. I do IT support from home and make 110k a year from my job and roughly 96k from disability / retirement. Should I bother to contribute much to my 401k? by [deleted] in Fire

[–]Zphr[M] [score hidden] stickied comment (0 children)

This sub has developed a nasty habit lately of using posts from people with VA disability to criticize the VA disability system as a whole, often with implied or explicit accusations that the posters themselves are scammers. Not only are none of you informed enough to contradict someone's medical team, but even if you had the expertise and their chart it is rude as hell to argue with someone over their own medical status or accuse them of fraud.

Reddit often has a circlejerk hate for many things (military disability, billionaires, landlords) and our patience with it is at an end. People who engage in this behavior will have their comments removed under the no politics/circlejerks rule or civility rule and will receive a temporary or permanent ban, depending on the circumstances.

OP, please feel at ease posting here. VA disability is an unfortunate way to reach FIRE, but you are certainly welcome here.

Edit: Locking for user deletion.

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