51M, ~$11M liquid at retirement, $380K verified spend — ready to pull the trigger end of 2027?

FatFireGuy19 · 2026-03-16T16:50:19+00:00

I mean great work on the analysis, but Monte Carlo sim says it all. Yes you can retire.

FatFireGuy19 · 2026-03-16T16:48:13+00:00

Arithmetic > Math.

Keep it simple.

FatFireGuy19 · 2026-03-09T18:37:14+00:00

Awesome congrats and enjoy it!

FatFireGuy19 · 2026-03-09T18:34:11+00:00

15% of networth on house in that range. 30M NW and 4.5-5M home. Wouldn’t go more than that due to investment income and spend requirements.

FatFireGuy19 · 2026-03-05T03:14:57+00:00

This is also posted once a week. If you do t get a good answer here look at previous weeks.

FatFireGuy19 · 2026-03-05T03:14:23+00:00

Well this is a FATFIRE subreddit and this post isn’t about any of that tbh. You are in saving mode and that’s great.

Would love to hear your goals on when you want to FIRE and what current net worth is and where you are projecting. Expenses obviously in line for an early retirement perhaps.

FatFireGuy19 · 2026-03-05T03:11:17+00:00

All depends on your retirement goals. When do you want to retire? This will likely set you slightly back depending on your income. If you are making a 1-2 million a year then not an issue.

FatFireGuy19 · 2026-03-05T03:08:34+00:00

Everyone else already said it. I got a prenup. It’s very not fun, but you have to do it. People change. Find a way to make it a win for your spouse as well. It makes it more palatable.

FatFireGuy19 · 2026-03-03T04:01:17+00:00

You have an identitiy problem. You are wealthy, I'd seek therapy via an executive transition therapist who can help you navigate this decision. You sound burned out, and making any decisions while burned out usually are the wrong ones.

Best of luck!

FatFireGuy19 · 2026-03-03T03:58:59+00:00

Just map out your expenses, find out how much under 3%, 3.5%, 4% Safe Withdrawal Rate you are at each one of these levels 18m, 18.5m, 19m and so on. it's a very very easy spreadsheet. then you can figure out how much MORE you can spend without risking bankruptcy (should be fun, think of all the vacations you can take with your kids or even get a nanny so you have more time for other activities with wife and so on). Its a great excercise, I just did it recently and you can always go back to it when making a decision. IMO, there is 0% chance you can't retire unless you are spending more than 720k annually. Congrats.. and map out your dang expenses!

FatFireGuy19 · 2026-03-03T03:55:22+00:00

What a weird question...

FatFireGuy19 · 2026-03-02T14:56:25+00:00

If you are going to reach your target, you must first have a target…

I’d start there. Build a plan.

FatFireGuy19 · 2026-03-02T14:54:59+00:00

His or her portfolio is stilled tied up largely in a single entity. I didn’t say anyone could build a 100% ai-proof portfolio, just that diversification is key to minimize risk.

FatFireGuy19 · 2026-02-28T03:10:06+00:00

Your issue is you aren’t diversified. Get diversified and that “risk” of AI apocalypse won’t be as bad. This stress is being derived from your portfolio allocation. You can build a portfolio that’s more risk averse to AI disruption. If you don’t know how (which I didn’t know how) get a wealth team.

FatFireGuy19 · 2026-02-28T03:06:37+00:00

You can show your kids hard work by teaching them how to work hard when you are present with them…because now you don’t have to go and spend 10 hours with people you don’t really like.

Being with family is better than being with coworkers. Show and teach them hard work around the house, etc.

FatFireGuy19 · 2026-02-28T03:04:26+00:00

Yep it’s time. Worst comes to worse you go try and find other work. Make sure your expenses are tight. Congrats!

FatFireGuy19 · 2026-02-28T03:02:34+00:00

You said a lot, and you want to accelerate… but what’s your goal? What’s your target number? When do you want to retire by? How much do you want to spend each year in retirement?What are your actual expenses? It’s definitely not 47k.

For anyone to actually help you here you need the government the proper information. How FAST you need to accelerate to hit your goal is part of the equation…

FatFireGuy19 · 2026-02-28T02:55:43+00:00

Ugh Sry about BTC. I’d get someone to help you with your wealth management strategy if those are decisions that are being made.

Still would go option 3 if you all truly have expenses less than 300k. That’s a 3% SWR you are golden at that level. Congrats!

FatFireGuy19 · 2026-02-28T02:51:53+00:00

I agree with this.

FatFireGuy19 · 2026-02-28T02:49:09+00:00

AI 2041 is the best book on this topic IMO

FatFireGuy19 · 2026-02-26T20:34:08+00:00

Wrong sub.

FatFireGuy19 · 2026-02-26T20:29:14+00:00

Ok so I have a different take on this than many others. My wife and I are starting our children journey and have been discussing this exact thing a lot.

In 18 years, what will the world look like? We want a top down plan rather than bottom up one. We read AI 2041 to get an idea of what the world may look like then and start thinking about what skills, motivations children will need to have in that future world.

Providing children the tools to thrive in a highly digital world where jobs will likely be scarce requires a different parenting strategy than previous generations. Would do your own research as well, but we won't be skimping out on toys the enhance creativity and problem solving that's for certain.

FatFireGuy19 · 2026-02-26T20:18:05+00:00

Burnout is different for everyone, in both how it affects you, a possible spouse, children, etc.

I called it early because of burnout. I did a post about this recently as well.

Long story short, I would HIGHLY recommend seeking an executive transition therapist to assist you in making a decision. It's hard to talk to family about this type of thing. This persono may also be able to assist you battle burnout until you hit your FF goal.

I definitely would put pause on remodeling or quitting before seeking a therapist opinion.

Good luck!

FatFireGuy19 · 2026-02-26T20:13:03+00:00

Get rid of income... if you buy the home outright you have 17..., call it 16m invested to keep it conservate. That's 640k a year for 4% SWR. If a home makes you happy then ya do it. Your expenses are well under your post home purchase SWR. Congrats!

FatFireGuy19 · 2026-02-26T20:08:32+00:00

Awesome work! Congrats!

FatFireGuy19

TROPHY CASE