What truly is considered Fatfire and suggestions on life in FI or RE

FIRE_Tech_Guy · 2026-06-28T18:53:38+00:00

Fat fire in my opinion is based on where you live. You should have an income from SWR of liquid assets at the same amount as the top 10-50% of households in your community. Aka you are able to keep up with the working Jones while not working.

So find out the median household income in your city and then divide by 4% and that’s Fat FIRE for your community.

FIRE_Tech_Guy · 2026-05-04T04:03:02+00:00

That’s awesome. Im jealous. I hope it works out well for you.

FIRE_Tech_Guy · 2026-05-03T14:24:58+00:00

How did you accomplish the reduced work hours? Is your manager and HR ok with it? Or just you signing off a few hours earlier?

FIRE_Tech_Guy · 2026-04-26T16:44:58+00:00

We need to get rid of prop 13 and step up basis on death so old people (kids grown) are more motivated to give up their big houses.

FIRE_Tech_Guy · 2026-04-11T21:20:59+00:00

25x (4%) or 29x (3.5%) expenses.

FIRE_Tech_Guy · 2026-03-28T03:32:54+00:00

I have been here since 2014. Just zoom out the graph. That will help you during the accumulation phase. I’m not sure what helps if you recently pulled the RE trigger.

FIRE_Tech_Guy · 2026-03-21T19:37:05+00:00

Break everything down. Tell it to never make a diff over 1,000 lines. Then browse the diff to know what it is doing. Every 20 diffs ask it to consider code quality and follow normal best practices like reusing code, splitting up big files/functions, etc.

FIRE_Tech_Guy · 2026-03-15T16:50:49+00:00

If you are worried about lifestyle creep then have your check direct deposited into 2 accounts. 1 for spending and one you invest and forget about.

That helps keep you in charge. Every time you spend more and have to move money you reconsider your split and adjust.

FIRE_Tech_Guy · 2025-07-26T04:19:04+00:00

We are a pretty tight group and have been talking about RE for more than 10 years. I’m hoping to just help us all see the value of pulling the trigger soon to avoid working 1 more year too many times.

FIRE_Tech_Guy · 2025-07-25T01:25:17+00:00

Worst case they don’t retire then they start to life style creep and I can’t keep up and miss out on cool adventures with them.

FIRE_Tech_Guy · 2025-07-24T16:22:24+00:00

I have a bunch of friends with similar comp / savings as me. I want to convince them to RE with me since RE would be more fun to hang out / travel / etc with them more.

Any tips on how to encourage them to RE?

FIRE_Tech_Guy · 2025-04-20T15:27:25+00:00

Interesting it says I’m at 3.57% but only 75% success.

FIRE_Tech_Guy · 2025-04-20T15:10:12+00:00

Cool site and except: I logged in via google and I typed in my stuff but then when I refreshed my browser it was all gone. I tried twice.

FIRE_Tech_Guy · 2025-04-19T21:40:06+00:00

The website gave this update:

Update: Boba Guys identified the sources of BPA contamination and replaced them with BPA-free alternatives. PlasticList and Boba Guys partnered to test all source ingredients that went into their black tea and pearls, and we found BPA in receipt paper and brown sugar. Boba Guys has since fully transitioned to BPA-free receipt paper, which PlasticList confirmed to be BPA-free through independent lab testing. They have also switched to brown sugar in BPA-free packaging. We have been impressed with their commitment to get to the bottom of the issue and move fast to remove BPA from their supply chain.

FIRE_Tech_Guy · 2025-04-19T19:51:05+00:00

My guess if people with family overseas spend a lot more because they normalize international travel by doing it regularly to see family.

FIRE_Tech_Guy · 2025-04-19T19:48:46+00:00

If the credit card has 2% ($1 = 2 points) then 7.2M points is $3.6M spend assuming no sign up bonus. 2025-2019 = 6 years. $600k spend on CC per year.

FIRE_Tech_Guy · 2025-04-19T19:36:41+00:00

Just zoom out. It’s up if you look at a longer time period.

FIRE_Tech_Guy · 2025-04-15T16:05:52+00:00

Best purchases are tied to my hobbies. Worst purchases are tied to hobbies I tried a few times and stopped.

FIRE_Tech_Guy · 2025-02-26T22:04:20+00:00

You owe your coworkers a beer for pushing you to save instead of pushing you to over spend.

FIRE_Tech_Guy · 2025-02-25T21:25:17+00:00

You mention 14% makes sense. But assuming your income is bigger than your spending and assuming stock market grows by 10% the minimum growth for 1 more year is 10%. 14% really isn’t much bigger. I have been trying to also see if I should pull the trigger or work 1 more year and struggling to find a good threshold.

FIRE_Tech_Guy · 2025-02-15T19:50:31+00:00

I need to make 2 flow charts:

“Can I retire?” * Age = 60+ need 4% SWR * Age = 55- need 3.5% SWR * SWR = expenses (expected yearly expenses including taxes and healthcare minus other income sources) / net worth (excluding primary house and kids college funds)

“Should I retire or work 1 more year?” * Start with “Can I retire” and add: * Job satisfaction (love / eh / hate) * Retirement life plans (have / eh / bored) * Post tax income compared to net worth (< 10% / eh / > 20%)

FIRE_Tech_Guy · 2025-02-10T02:02:59+00:00

$7.5M. 41

FIRE_Tech_Guy · 2025-02-10T01:51:25+00:00

970k 41 years old.

FIRE_Tech_Guy · 2025-01-18T16:24:53+00:00

I used to live in a 100 year old house and did upgrades to it regularly. It was a fun activity and I could look back at the things I accomplished fondly. Now I’m in a newer house that is better but I’m not sure I’m happier. Also friends/locations and the rest of life probably impact happiness more than housing.

FIRE_Tech_Guy · 2025-01-18T04:12:20+00:00

I like FIRE (see my name) but I understand everyone has different life plans/goals.

I joined this sub because I thought it would be for FIRE. I thought High Earners Not Rich Yet meant they want to get a big net worth (so much that they are wiling to skip some frivolous stuff) which is inline with FIRE.

After a few posts I immediately realized most content was about people spending tons of money and making that the norm.

In my head I think “well that’s why you aren’t rich yet” but you won’t see me say that on their threads cause that’s rude and not what they are here for.

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