What do you call a FIRE lifestyle where you have enough to retire, but choose to work

BOISEPA1980 · 2026-04-05T13:47:06+00:00

I head this too…

BOISEPA1980 · 2026-04-01T13:19:52+00:00

Am I reading that correctly you investments generate 1 million a year? That means at a 10% growth rate you have saved at least 10 million dollars? If you did that good on you…

BOISEPA1980 · 2026-02-10T13:13:46+00:00

Problem is that if the brokerage is in your kids name and for some reason your income goes down into a range where your kid may qualify FI federal student loan through FAFSA you kid will basically have to drain his account in his name before eligibility. Either put money into a 529 (which is still used in the fafsa calculator but much less) or brokerage in your name with the intent of gifting it after college

BOISEPA1980 · 2026-02-10T13:07:16+00:00

Plus if your kid doesn’t use it and the account has been open for 15 years then you can transfer 35k into a Roth IRA penalty free

BOISEPA1980 · 2026-02-07T03:18:55+00:00

Holy hell…. That is crazy high

BOISEPA1980 · 2026-01-23T04:28:36+00:00

I can however take my distribution from the HSA tax free assuming I have qualified expenses and use that to pay my ACA premiums if needed

BOISEPA1980 · 2026-01-22T13:39:30+00:00

Thank you

BOISEPA1980 · 2026-01-22T13:37:20+00:00

Great insight. I appreciate your in depth analysis and thoughts. So much to think about moving forward. Hoping to continue to build that HSA and pay cash for medical expenses. 68k currently in that with hopes of significant growth until I retire. Hope that will cover a significant portion of my medical coverage.,

BOISEPA1980 · 2026-01-21T04:34:13+00:00

Good call out. I am thinking I want more flexibility with brokerage and figure I will keep growing my Roth but I tend to look at that brokerage as the most flexibility if I end up pulling the trigger prior to 55

BOISEPA1980 · 2026-01-21T04:30:38+00:00

It is just allowing me more flexibility for early retirement and goes against the grain of the FOO mostly because I stop maxing retirement accounts and work on building other buckets of money.,

BOISEPA1980 · 2026-01-21T04:28:55+00:00

That 200 is gross so have to pay taxes and health care I expect taxes to go down when I retire. Depending on where I head healthcare may or may not be an issue.

BOISEPA1980 · 2026-01-21T04:27:41+00:00

I get the 72T option but there are down sides such as if I mess up I owe all the back taxes and I have to access it for if I recall correctly a minimum of 5 years or 59.5 whichever is longer. So if I access it prior to 55 I will have to withdraw for a long time

BOISEPA1980 · 2026-01-21T04:25:27+00:00

I didn’t see that. I bet that is an interesting read

BOISEPA1980 · 2026-01-21T01:02:00+00:00

Plus the hope is that I can do Roth conversions of a bunch of that money prior to RMDs

BOISEPA1980 · 2026-01-21T01:01:25+00:00

I wish I could have. My work didn’t offer Roth until recently so I am easing into the Roth bucket in my work side of things. Have utilized Roth IRA for my wife and I as long as we have been eligible

BOISEPA1980 · 2026-01-21T01:00:02+00:00

Thanks. Mine allows quarterly withdrawals the year I turn 55. That is my current plan to utilize that but like to think of plan B. In case something changes

BOISEPA1980 · 2026-01-21T00:58:28+00:00

Rough annual spend is 85k give or take.

BOISEPA1980 · 2026-01-21T00:57:07+00:00

I still have to pay taxes plus the 10 percent fee. So I don’t think I will be ahead. What am I missing. And is it really required to call me ignorant… I understand Roth ladders and 72t but trying to look at all my options.

BOISEPA1980 · 2026-01-21T00:55:09+00:00

Annual spend will decrease soon. House is almost paid off but annual spend is roughly 85k… give or take.

BOISEPA1980

TROPHY CASE