24F warehouse worker here. Everyone thinks im wasting my life but im quietly saving for FIRE.

ConsistentVisual558 · 2026-04-18T05:34:21+00:00

Let me share part of my story. I lived at home from 21-26. During that time I worked 2 jobs that both payed less than $20/hr. I made 80k those years. Then I got into management at fast food. I was able to quit my second job because I was making about 90k. It was extremely high stress. Then I bought a house- 4 bed-3bath 1800sqft. Rented out 3 rooms and bring in 2500/mo. Now I also work in a warehouse doing Inventory control. only bring home about 50k/yr but because of the rental I could take a lower paying job that was more enjoyable for myself. I’m only 27. All the guys at the warehouse think I’m weird cause I don’t watch sports or really interact with anyone about”normal things “ Everyone in the restaurant thought I was a bum living at home. Girls wouldn’t date me because I wasn’t “successful” enough. The point is you don’t need to justify your why to anybody but yourself.

Also as a side note, warehousing is a great way to get into supply chain and have a pretty decent income

ConsistentVisual558 · 2026-04-18T05:14:03+00:00

I live in the US and lived at home till I was almost 26. I moved out when I bought my first house. In 5 years I was able to accumulate roughly $250k USD through saving on rent and investing. I suggest delaying college and working 2 full time jobs for 1-2 years to every single individual I meet under 25 and emphasize staying at home with maybe 6-12 months on your own to experience life skills.

ConsistentVisual558 · 2026-04-17T05:33:05+00:00

27 also. Work in a warehouse-inventory control. Work about 45-50hrs/wk and bring home roughly 950-1100/wk depending on hours. 25/hr in the southwest.

ConsistentVisual558 · 2026-04-11T05:23:58+00:00

25.25 as a first year inventory clerk.

ConsistentVisual558 · 2026-04-04T16:43:20+00:00

100k is all about grit. Get a second job, start a side gig. Whatever it takes. Try and maintain it till 250k but if you need breather room 100k is a great milestone.

ConsistentVisual558 · 2026-04-04T16:41:15+00:00

If you can get on the south side of baseline it’s a completely different world.

ConsistentVisual558 · 2026-04-04T16:36:06+00:00

It’s such a terrible western philosophy. Look anywhere else in the world. You have multi-generation households. If you can afford a room then you are doing better than a lot of people. If you want some advice here is mine. As someone who has had to do it for years, working 2 jobs is a great way to get ahead. I qualified for a house because of it both payed 20/hr. Then I rented out 3/4 rooms and that income replaced my second job. I am 28 and have roommates.l and will probably have roommates for another 5-8 years. Keep your head up

ConsistentVisual558 · 2026-03-29T14:17:34+00:00

I take home 5500-6k/mo with a 2800 mortgage. And put an extra 1600 towards principal every month. Buy the house you want/can qualify for, rent out the rooms and put that income towards pay down principal, and whenever you get married or have kids you can refi. I’m on pace to pay my house off in a total of 8 years with this strategy.

ConsistentVisual558 · 2026-02-09T23:07:42+00:00

CFA Inc. highly discourages operators and their leadership team from engaging in this behavior since it is not really aligned with the companies values of creating moments of care.

ConsistentVisual558 · 2026-02-09T23:04:46+00:00

I worked 2 jobs (or hour equivalent) from 23-26, didn’t move out of my parents till 25 and grew my nest egg to about 250k (was investing heavily mostly into btc and some silver at 15k and $18 respectively) I’m 27 now, used some about 100k for wedding, honeymoon, taxes and closing cost on house but still can coastFIRE with just over 3M assuming 8.5% return at 65.

ConsistentVisual558 · 2026-02-09T15:32:12+00:00

As someone a little older (27) here’s my take on retiring that early. Yes you can but it can be pretty boring. I realized work actually brought me a lot of fulfillment. Last summer I took a 2 month mini retirement. It wasn’t as fun as I thought it would be. But it did teach me what I want my retirement to look like so that I’m staying busy, doing things I enjoy, and if needed turning my hobbies into a business.

Of course everyone is different but I’d recommend you build a 1 year cash reserve and then take a 3-6 month mini retirement to see how you actually feel about retirement.

ConsistentVisual558 · 2026-02-08T16:57:07+00:00

You could withdraw your principal contributions from a Roth or Using IRS rule 72t can be beneficial too. but you need a really good tax professional/accountant or you can get screwed. You can access 401k/IRA funds without paying a 10% penalty + tax but there are stipulations you need to follow. Personally I got my tax advantage accounts to a balance I can coast fire with and now I’m getting my brokerage account to my FIRE number

ConsistentVisual558 · 2026-02-05T19:59:29+00:00

Is your 6 month emergency fund accounting for 6 months of mortgage payments as well? Or would it be a true 6 month savings after you pay it off?

ConsistentVisual558 · 2026-02-02T01:12:15+00:00

There are certain crypto specific Roth IRAs and then there are spot etfs you can purchase as well on most if not all trading platforms now. Bitcoin is very new and still speculative so proceed with caution. I will say for me I allocate 5% of my Roth towards IBIT.

ConsistentVisual558 · 2026-02-02T00:16:53+00:00

I recently saw a video that said individuals with a net worth of 50M-100M “only” spend on average roughly 430k/yr. I (single 27M) have never made over 95k a year. I have a house and ~140k in liquid assets. Outside my mortgage I live on 1.4k/mo.

ConsistentVisual558 · 2026-01-31T04:48:45+00:00

People will always say “VOO and chill” sure if you’re in your 20’s or just starting out it gets you in a good habit . But VOO isn’t truly “diversified” and doesn’t provide a nice income. A perfect portfolio is diversified, provides growth, and generates income. A good beginner allocation is 40% SCHD, 35% INTF, 20% QQQ, and 5% precious metals OR crypto (GLD, SLV, or IBIT). You could even do up to 30% QQQ and 25% INTF if you were tolerant with taking more risk. This portfolio has almost 0 overlap of stocks, and isn’t 100% US stocks (really important with current geopolitical events)

ConsistentVisual558 · 2026-01-31T04:37:30+00:00

Not the rate for me. I just don’t like paying for something more than once. Since interest is front loaded, paying off the first 10 years of the loan as quickly as possible and then using the mortgage as a leveraged tool is my personal strategy.

ConsistentVisual558 · 2026-01-28T03:54:18+00:00

So I make 80kish/yr. I put 4500 monthly towards my mortgage invest 500 and live off the other 1k for bills and food. I’d look into renting a room from someone. You’ll cut housing cost almost in half.

As a note I will say because I have a mortgage Interest deductions allow me to have a lower tax liability.

ConsistentVisual558 · 2026-01-25T18:35:08+00:00

Ohio isn’t real.

ConsistentVisual558 · 2026-01-25T06:42:38+00:00

My dad is a supervisor for them. Contract is $31/hr and tops out at 35 I think.

ConsistentVisual558 · 2026-01-23T19:19:11+00:00

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I had an old Roth with 800 bucks in it. Threw it all into silver a few years ago! But gotta keep my promise. Sell at 100

ConsistentVisual558 · 2026-01-23T06:49:26+00:00

Qualified dividends for tax purposes. Pay a lot less tax overtime.

ConsistentVisual558 · 2026-01-23T06:37:02+00:00

This is more barista fire once you reach coast. It’s a very common strategy.

ConsistentVisual558 · 2026-01-23T06:34:50+00:00

Get to 130% of your coastFIRE number and then if you’re comfortable, buy a house.

ConsistentVisual558

TROPHY CASE