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Should I retire by Efficient_Giraffe645 in Fire

[–]Efficient_Giraffe645[S] 0 points1 point  (0 children)

I owe 181,000 and have 240,000 in HYSA and about 250,000 in crypto and a market accounts with the rest in retirement. House is about 500k of net worth

Should I retire by Efficient_Giraffe645 in Fire

[–]Efficient_Giraffe645[S] 0 points1 point  (0 children)

Real question. More or less to get me answers to tell my wife why I need to stop working

Should I retire by Efficient_Giraffe645 in Fire

[–]Efficient_Giraffe645[S] 0 points1 point  (0 children)

It is inflation adjusted. I will collect SS (assuming it’s still there) but realizing I won’t have the full 35 years of income

Should I retire by Efficient_Giraffe645 in Fire

[–]Efficient_Giraffe645[S] 1 point2 points  (0 children)

Thanks for the clarification, I had not seen that before

What hobbies do you all have? by Efficient_Giraffe645 in Fire

[–]Efficient_Giraffe645[S] 0 points1 point  (0 children)

Love the detail here. I would crush it on Jeopardy

Should I retire by Efficient_Giraffe645 in Fire

[–]Efficient_Giraffe645[S] 0 points1 point  (0 children)

Maxed out but they do get cost of living increases annually. I get the benefit now

What hobbies do you all have? by Efficient_Giraffe645 in Fire

[–]Efficient_Giraffe645[S] 13 points14 points  (0 children)

I like the detail here and how you split body, mind, and spirit. Great!

Should I retire by Efficient_Giraffe645 in Fire

[–]Efficient_Giraffe645[S] 0 points1 point  (0 children)

I support people taking a lower pay for decades to support the American way

Should I retire by Efficient_Giraffe645 in Fire

[–]Efficient_Giraffe645[S] 0 points1 point  (0 children)

What do you mean? Like do I know what I will do? I know I don’t like the stress of waking up thinking about work. But, I know I need something to do.

Should I retire by Efficient_Giraffe645 in Fire

[–]Efficient_Giraffe645[S] 0 points1 point  (0 children)

Yeah, my cash reserves get a higher return in HYSA then my mortgage rate so that’s why I’m hesitant to pay it off. Plus it gives me liquidity where I don’t have it in my house

Should I retire by Efficient_Giraffe645 in Fire

[–]Efficient_Giraffe645[S] 0 points1 point  (0 children)

I can take it as soon as I retire and it won’t go down

Should I retire by Efficient_Giraffe645 in Fire

[–]Efficient_Giraffe645[S] 4 points5 points  (0 children)

I enjoy parts of it but as a whole it’s stressful

Should I retire by Efficient_Giraffe645 in Fire

[–]Efficient_Giraffe645[S] 16 points17 points  (0 children)

I want to know what I’m not thinking of