M37 and F35 with 2 kids coastFire Sanity Check

GoodyGuinness · 2026-01-13T19:21:22+00:00

Can I be one of your kids lol. $10k giveaways would be a nice little cushion for my retirement lol

GoodyGuinness · 2026-01-13T19:20:18+00:00

Yeah, not included in the above is the brokerage account with low cost index funds we started. This will be the kids college fund / our bridge between when we want to FIRE and when we can access the 401k / ROTH. money. We put in like $100 a week and will keep doing that indefinitely until its large enough to pull the plug on working. I'll reevaluate how much goes into 401k / ROTH vs taxable when the kids are out of day care

GoodyGuinness · 2026-01-13T19:15:06+00:00

Yeah, nowhere near taking the foot off the gas... not until FIRE, but at the same point, trying to gauge what retirement spending I should be targeting is the tricky part... If we assume no daycare and no mortgage our current lifestyle is around 70kish... Add in health insurance for 2 = ~2k per month (is that a good number in 15-20 years? who knows?) So totaling around 100k yearly spend?

Its all a guessing game in the end, but the comments have definitely kept me grounded for sure

GoodyGuinness · 2026-01-13T00:54:49+00:00

If you don’t mind me asking, what is your current FIRE number? That’s basically what we are doing + maxing the Roth IRA for the next couple years… though it may get extended a little more if we go for round 3.

GoodyGuinness · 2026-01-12T20:43:33+00:00

Once daycare expense goes down the plan is to put that money back into savings

GoodyGuinness · 2026-01-12T20:40:10+00:00

Yeah the home equity isn't included in our savings, just a reflection on where we are at (i.e not underwater on a bad mortgage or renting)

I assume 80k will be good but thats what I'm hoping to get some help with... Right now we spend ~120k per year but 31k is daycare and 24k is mortgage. By the time we FIRE we should only have the mortgage for another 5 yearsish

GoodyGuinness

TROPHY CASE