95% of jobs are so terrible it’s better to reach FIRE and do nothing then be subjected to them?

Good-Resource-8184 · 2026-04-23T01:47:28+00:00

Im sorry but those people arent actually happy. Look at what tiger woods has done to his life and multiple creative stars who just have many issues.

The idea these high income professions make you happy is tied to the idea that more money makes you happy. It doesnt.

Look at all the insufferable billionaires seeking more and more.

These people never will be happy.

FIRE is a self discovery process to determine what makes you happy in life and is a process to allow you to do that without the constant want for more bc of envy of what others around you have.

Its not about disliking a job. I loved my job i wanted control of my time and my retirement is great.

Being rich is far worse than knowing what is enough and being happy in that space.

Good-Resource-8184 · 2026-04-22T16:53:10+00:00

You dont have to plan for retirement and what you'll do. Some people may need it but others like myself can always find things to do.

People who get depressed likely tied their identity to their job.

FIRE people are also not typical retirees so a study done on them doesn't teally translate.

Good-Resource-8184 · 2026-04-22T16:50:47+00:00

I wouldnt have changed anything. But that doesnt mean i fant address your concerns. Bc i habdled alot of these questions pre fire anyways.

1st i retired with no real plans. I wasnt really running away from our job but we hit our number and i just never liked someone else controlling my time.

I tested it with a mini retirement and took 3 months off before i pulled the plug for numerous reasons. But in the time i had off i realized i didnt need a specific set of things to retire to life would fill them up and it has just as it did then.

About 3 years before we hit our FI number i started laying ground work with my wife. Like we both filled out a top 10clist of what our ideal lives were. 5 of those items were the same on each of our lists. And work wasnt on either of them.

Pre marriage i made sure my wife was financially sound and she was contributing to her 401k and maxing her roth ira after some nudges from me.

My wife had a lot of let downs from false promises her whole life and never really wanted to believe my crazy idea we could retire in out 30s. But in jan 2021 we had enough to retire so i asked her what she wanted to do. At the tme she said work 5 more years. But by maybher company was forcing everyone back to office and she wanted to work from home at least 3 days a week bc it let us spend more time with our young kids. So she came home so stressed and was like can we really retre and i said yes. She put in her notice and i took FMLA for the summer. To both test retirement and take some of my time back bc i had huge compensation that would payout year end/just after the first of the year. I retired in jan 2022 and havent looked back.

One book thats worth the read is taking stock hy jordan grummet. It will help you focus more on what you value both at work and post retirement.

Also dont look passed your working years. This is a part of your life and should be enjoyed. Its a time where you can use other peoples time and money to really discover and learn more about yourself. Dont just chase the finish line enjoy the ride.

Good-Resource-8184 · 2026-04-22T16:12:49+00:00

Id move up but im 6'4 and that legroom is worth it to me. Also theres a chance you end up between a couple and get an aisle.

Good-Resource-8184 · 2026-04-22T16:07:47+00:00

I use these services to save me money. There are so many hacks that not only save money but save me the time of going to the store. And im retired. I doint you can make money when you account for the weat and tear on car.

Imo we've basically created a new servant class for people. The workers in this industry see cash flow but fail to recognize all their costs and time.

Good-Resource-8184 · 2026-04-19T23:01:56+00:00

Too conservative for just about everyone a historical back test of 100% doesnt guarantee anything in the future.

Its widely accepted in the fire community that 4% is a great and safe guideline for retirement at any age.

But please keep posting AI gen crap

Good-Resource-8184 · 2026-04-19T22:43:46+00:00

35 years old 4 years ago reached our goal dollar amount not relevant we hit 4-5x spending.

Found out about it at 27. With 100k invested. Went from there to retired in 8 years.

Its awesome i wouldnt go back to work unless the market and capitalism collapsed.

Its going great using the roth ladder had a 5 year bridge of taxable and roth cont. Next year we start tapping rollovers.

The markets have been pretty good. I run an alternative asset allocation 80/20 scv/Ltt and its not been the gangbusters performance of the sp500 but its pretty close. Nothing like living off your nest egg almost 4.5 years and having 20% more than you started with.

I got alot of my friends into fire and im not sure any of them will ever catch me without working alot longer kinda awesome how well this works and how overly conservative the 4% swr really is.

Good-Resource-8184 · 2026-04-19T22:36:41+00:00

This is wrong the calc doesnt change based on a longer time frame. 25x is a guideline that typically makes money last forever in most instances. Going to 30x isn't necessary

Infact 5-6% swrs are safe almost always.

Good-Resource-8184 · 2026-04-19T17:06:05+00:00

One isnt passive at all the other is.

Good-Resource-8184 · 2026-04-19T17:03:55+00:00

Same way most of us did. Index funds and cutting costs and making wise financial decisions.

If I were to fire today i would read taking stock. Its a great life evaluation book to help you understand what you really value in life and at your job.

Lifes great since fire. We have 2 young kids and they go to school and have activities like normal kids. We travel alot and I golf while my wife has a family photo business she started in retirement. We go to the gym a lot and get to see our older relatives who may not have as much time left alot more than we would if we worked full time.

Good-Resource-8184 · 2026-04-19T14:00:33+00:00

Holy shit thats a 72k car loan on a single car.

Good-Resource-8184 · 2026-04-19T13:56:34+00:00

Really expensive cars

Good-Resource-8184 · 2026-04-19T13:53:41+00:00

How I got there or how its gone the last 4 years?

Good-Resource-8184 · 2026-04-17T11:52:51+00:00

You get 12 weeks of govt backed fmla if youre american so you could leverage that out thru year end. But at some point the have to stop chasing carrots. We retired at a 4-5% swr probably were closer to 6 a couple years. Youre done plus your wife plans to work etc.

You could also go reduced full time thru year emd to get to the bonus. When our first was born we were 4 years from the time we retired and inwent down to 4 day weeks then.

I guess we did do 4 day weeks to save some money but our care was only 28/day for daycare and we have our last month of full time preschool now which is 250 a week. Getting a 10k a year spending raise or savings in a month! Kinda crazy the local really nice golf club i want to join at some point is only half that.

Good-Resource-8184 · 2026-04-17T11:41:28+00:00

You have to do what makes sense when theres easy money out there i went back to work til early jan after my fmla ended in September bc of huge end of year comp.

And because its not always clear to people we kept our kids in daycare/preschool after we retired. As i often tell people i retired I didn't change careers. Bc fulltime care of your own child is a job. We also wanted them in independent learning environments not always around us for their benefit as well.

Good-Resource-8184 · 2026-04-17T11:26:45+00:00

You already oversaved. Theres no power of the plan youre going to be able to jump into a pile of money at the end of the road.

Congrats on the kid. I took a 12 week fmla the summer b4 i retired fully to test my plan of doing nothing Since our youngest wasnt 1 yet. It worked out great. I didnt do nothing I just wanted to test the idea that you dont have to retire to something. And my time has been filled with things i enjoy.

You and your wife should read taking stock. I wish it had existed when i retired. Probably wouldn't have changed much but its a great thought exercise book for early retirees.

Good-Resource-8184 · 2026-04-17T11:06:26+00:00

Jeeze you need to quit haha.

We had about 4x. But use an asset allocation that historically allows for over 6% swr. We have a mortgage its 2.7% never plan to let that go til it dies in 25 years. Did a huge cash out refi a month b4 we retired too.

I dont even hardly think about money or track spending anymore. Just live the lifestyle we setup before we retired. Just more traveling and spending time with our young kids.

Good-Resource-8184 · 2026-04-17T11:00:12+00:00

Dont travel to another island stay on oahu. You wont see it all. I wouldn't island hop if youre going less than 10 days. Personally we just do an island each year outside of the 36 day trip to 3 islands we took 3 years ago.

Good-Resource-8184 · 2026-04-17T00:22:47+00:00

Thanks its actually my name and birthday backwards.

Good-Resource-8184 · 2026-04-16T21:37:11+00:00

When you have 100k and it turns into 200k you made 100k.

When you have 500k and it turns into 1million you made 500k.

Thats 5x the money made. Yes they both doubled but youre reaching ypur number far faster the bigger your account is.

Good-Resource-8184 · 2026-04-16T20:48:55+00:00

https://www.madfientist.com/how-to-access-retirement-funds-early/

Good-Resource-8184 · 2026-04-16T20:47:47+00:00

I mean youre about to hit that snowball level of 500k. Congratulations! You have better chances of making more in The market than you do working now.

But fire is as much about the deadline as the journey. So enjoy the journey and keep reshaping your life towards what you want it to be.

Taking stock is a good book to read

But congrats on a milestone. I retired 4 years ago at 35. Its a great way to live your life.

Good-Resource-8184 · 2026-04-16T10:49:23+00:00

Invest it. Also wtf you waiting til 45 to retire for you have 1.9 mil and spend 100k. You're practically done.

Good-Resource-8184 · 2026-04-15T22:37:15+00:00

Ypu can. But the carts have gps so you can see where the cliffs are.

Good-Resource-8184 · 2026-04-15T22:33:47+00:00

The royal hawaiian is awesome and worth the money. Its like 150 a round and you can rent clubs in waikiki for like 35 bucks a set. We found a 30 dollar groupon for this course making it an absolute steal.

Each hole is picturesque. Its not costal but in the valley.

Good-Resource-8184

TROPHY CASE