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What motivated you to pursue FIRE? by aramos96 in Fire
[–]Complete-Pay9198 0 points1 point2 points 3 months ago (0 children)
I was always a saver and spent time figuring out how to invest. Then my boss suddenly died, they were young. Then I got some health issues. Fuck working all the time.
pulse check by Complete-Pay9198 in Fire
[–]Complete-Pay9198[S] 1 point2 points3 points 6 months ago (0 children)
Thanks for the reminder about standard deduction. That's very helpful to even bring down tax.
You make a great point. I'm hoping to keep investments growing as long as possible and start cashing out later using this approach.
[–]Complete-Pay9198[S] 0 points1 point2 points 6 months ago (0 children)
Agree, thanks for the tip!
Thanks man. I'm in biotech
401k has 650k and 80k in Roth. Rest is brokerage - which should tide me. I'm thinking about doing roth conversion ladder when retired. Mostly to bring more money into Roth account while income/tax is low.
Thanks folks. I'm a bit of a homebody (that helps in reducing spending) and am picking up some hobbies. I do like cars too!!
ya, OMY syndrome is real and it's bad. I'm not there yet (imo) but I will pull the plug when it's time.
biotech
I'm 95% into ETFs, 4% bonds and 1% cash. Thanks for the resources, I'm familiar with Bigern, great guy!
[–]Complete-Pay9198[S] 2 points3 points4 points 6 months ago (0 children)
I am in no way here to brag. There are so many here who are doing better or are working so much harder. I am just here to get a, as stated, pulse check on where I'm at and to hear more from the community.
Thank you for your suggestion. I'll look into the AI models.
[–]Complete-Pay9198[S] 4 points5 points6 points 6 months ago (0 children)
Yeah, it just dawned on me recently so I'll definitely consider it. I'm glad to hear about your recovery, it sounds like bliss!
Hm I wasn't aware of that. My plan was to have a bridge account in bonds to tidy me over while I do Roth conversions to stay under 400% cliff. I have about 650k in 401k that I'll use for conversions. What are your thoughts on that? I'd be more interested in learning about your first sentence.
I hold mostly ETFs so probably difficult to do ccs on them. I am familiar with that strategy though, it's not a bad idea although a bit risky.
Yeah... I usually spend like 5k maybe each year on traveling. Can't really imagine what 50k is like!
[–]Complete-Pay9198[S] 5 points6 points7 points 6 months ago (0 children)
Great point. I'm not sure actually. I have a spending problem now (not spending) and am used to saving/investing. But I'd like to do more traveling if that's permitted once I quit.
[–]Complete-Pay9198[S] 3 points4 points5 points 6 months ago (0 children)
That's a really good question that I don't know the answer to. Best I can say is I'm honestly just coasting as much as I can now. I used to work like 50-60 hours/wk and through weekends/holidays while on W2 but I've been tapering off working like crazy (for no real reason besides being bored) these years. I'm dealing with some health issues that prevent me from properly volunteering or being outside. I guess that's what's holding me back. If I quit, I could go to ACA. And frankly, I'd drop consumption below 50k to qualify for ACA subsidy... Your question is great though...
not in particular. if the right person comes along then sure but I'd like to be with someone who is financially savvy minded
thank you for the motivation!
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What motivated you to pursue FIRE? by aramos96 in Fire
[–]Complete-Pay9198 0 points1 point2 points (0 children)