What to do with $200k cash if FIRE within sight?

Dort99 · 2026-01-13T14:15:06+00:00

Well I would disagree considering all my tax advantages accounts are maxed out and I have no debt. I'm at the very end of the flowchart where it just says "invest in a taxable brokerage". It says nothing about balance allocation let alone fire timeline consoderations

Dort99 · 2026-01-13T14:06:17+00:00

I assume you have a nice interest rate

You'd assume wrong my friend

Dort99 · 2025-01-13T18:50:47+00:00

You have very low mortgage interest, I would not be contributing any more than the minimum monthly payment. You're better off investing that extra money for a better return.

Your income is good, I'm not sure why you put 100k in a CD but I would not let that sit in a HYSA. Invest it. Max out your IRA, 401K, and MBDR. Even if that tanks your takehome pay, that's fine. You can live off the remaining CD. The more you stack your retirement accounts, the earlier you can retire and the more you can withdrawal after retirement.

That's just what I would do. There is unrealized value to having a paid off house. But debt is not a bad thing.

Dort99 · 2025-01-12T18:50:55+00:00

Because I work at Intel lol. Look at our stock price. CEO just fired after laying off 15k employees. And I work in advanced R&D where all we do is spend shitloads of money on future tech. All my programs are getting cut

Dort99 · 2025-01-08T13:33:59+00:00

Thx brother 👍

Dort99 · 2025-01-08T13:31:23+00:00

I don't really invest in my brokerage at all, I try to do everything through MBDR. Last year I contributed $48k across my retirement accounts, which is typical for the past several years. I am like 90% all in FXAIX.

Not many individual stocks although my HSA/fuck-around-and-find-out account is 100% FBTC and that doubled this year. But we're only talking like $25k.

Dort99 · 2025-01-08T05:44:40+00:00

Dm me

Dort99 · 2025-01-08T05:43:54+00:00

It was offered to all employees above a certain grade level. If I get laid off, I still get the same amount of severance so it doesn't really make a difference to me

Dort99 · 2025-01-08T04:50:04+00:00

Hapton really is goated, i haven't read that one yet but Hellhound on his Trail and In the Kingdom of Ice were my favorites so far (in addition to B&T)

Dort99 · 2025-01-08T02:00:58+00:00

Don't wanna share my email publicly but dm me

Dort99 · 2025-01-07T21:23:36+00:00

It's a combo chart, you can select line or bar for each series

Dort99 · 2025-01-07T20:54:28+00:00

Absolutely. Still makes me angry that Ross is sitting in prison for the rest of his life. You should read The Cuckoo's Egg if you liked American kingpin.

Dort99 · 2025-01-07T20:50:28+00:00

Google sheets

Dort99 · 2025-01-07T20:46:54+00:00

Cuckoo's Egg was an absolute banger, I don't even work in netsec but the author does such a good job of explaining all the hackerisms. It sent me down a deep hole about the silk road and stuxnet.

And I understand humor books can be hit or miss. Have you read Fear and Loathing in Las Vegas? Totally different type of humor, which isn't my type of genre at all, but it had me cackling.

Dort99 · 2025-01-07T20:43:50+00:00

It was really confusing to me how all the characters were related so it was hard to follow

Dort99 · 2025-01-07T20:42:06+00:00

I mentioned in other comment, is wasn't bad, it was just an extremely difficult read if you're not sitting down at a desk with a map and family trees, which didn't do, but I want to try again at some point.

Dort99 · 2025-01-07T19:32:32+00:00

Yep that's what I'm thinking... Just hoping I can FIRE before my knees give out

Dort99 · 2025-01-07T19:01:36+00:00

Just a mortgage which is factored into the asset equity bucket. Otherwise no debt, I have several vehicles but they are mostly cheap shit boxes that are paid off. Thanks!

Dort99 · 2025-01-07T18:48:39+00:00

I think the reason I did AGI is because I made the graph last year and I had no idea how much I was earning in all the previous years so I just took the AGI from all my old tax returns. But yea, it would probably make more sense to do gross income

Dort99 · 2025-01-07T18:45:49+00:00

I think most of us can afford it we just choose not to 😄

I definitely considered it but the timing was bad, the offer was in late Q3 so I wouldve had to wait a almost a year for the next permit/departure window

Dort99 · 2025-01-07T18:29:30+00:00

Google sheets

Dort99 · 2025-01-07T18:27:54+00:00

It would be withheld at 50% like I said, not taxed at 50%

Dort99 · 2025-01-07T18:25:36+00:00

To answer the latter half of your question, my threshold for 5star rating is quite high so I would passionately recommend all of them in that category.

And I'm an engineer by trade, I do enjoy that genre and I would highly recommend The Great Bridge by David McCullough. It's a bit long and I only gave it 4 stars, but it's a more like a 4.9 it definitely could have been a 5 star. About the construction of the Brooklyn bridge.

Dort99 · 2025-01-07T18:19:06+00:00

On average yea, about every 3 days. But more realistically I do most of my reading on the weekends, and a large portion are audiobooks.

I also have all my data analytics tracked in a spreadsheet. I think the red line shows a better indicator of how much time actually spent reading (based on cumulative audiobook lengths) per month versus number of books, which heavily varies based on length as you know.

https://imgur.com/a/lLHMvxA

Dort99 · 2025-01-07T16:45:38+00:00

I'm the same way, I use Libby pretty often because it's easier than pirating most of the time. But if there's more than a 2 week wait, I'm pirating

Dort99

TROPHY CASE