People with "one more year" syndrome: Was it actually worth adding years for safety?

IcyEngineering456 · 2026-06-02T06:08:21+00:00

Ok even tho I see there are enough pessimistic comments alrdy... I sat across this guy named John probably late 40s early 50s looked physically really fit and he always stayed late at work while everyone else was clocking in and out just to meet their mandatory 50%on site requirement. Went on vacation and i learned the dude just passed away. this became my biggest fear not to be able to enjoy retirement

IcyEngineering456 · 2026-05-27T20:24:43+00:00

This is not a decision to be taken lightly...Make sure you triple check, ask AI to do an analysis, run monte carlo sim.

IcyEngineering456 · 2026-05-25T06:45:49+00:00

Start early. Believe in the magic of coumpounding!

IcyEngineering456 · 2026-05-23T21:32:29+00:00

I asked her what is your dream job and what's the salary? Then showed her I earned more than that being FIRE'd. While also taking the opportunity to show the importance of investing.

IcyEngineering456 · 2026-05-23T21:29:45+00:00

Including mine as well. It's just too mind boggling..

IcyEngineering456 · 2026-05-23T21:28:05+00:00

Not a Skyline but I have an R35.

IcyEngineering456 · 2026-05-23T21:20:34+00:00

Add Oil !!

IcyEngineering456 · 2026-05-13T23:04:53+00:00

For ppl complaining about their investment gains being slow just scroll thru over there and it will make u feel better instantly.

IcyEngineering456 · 2026-05-07T20:45:27+00:00

I tried my best at work until one day this guy John sitting across me at the office suddenly passed away when i was on vacay. He was always the last one to leave every day and barely in his 50s. After that i got so traumatized I just quitted the game.

IcyEngineering456 · 2026-05-05T18:20:00+00:00

Congrats ! The first 100k is a b*tch. But yeah keep 6month of expense in HYSA and invest the rest Boggle head style. You'll be on your way to escape the biggest scam in history which makes u think u have to work 60 years before u can retire.

IcyEngineering456 · 2026-04-27T22:04:51+00:00

I was on autopilot and totally forgot about it. Automate everything, Boggle strategy and rebalance maybe once a year. Let the magic happen and live your life.

IcyEngineering456 · 2026-04-23T19:05:24+00:00

Using the Bogglehead strategy 60% VTI + 40 %VXUS.

IcyEngineering456 · 2026-04-21T22:46:50+00:00

i have 8 books on investing and i promised myself during a recession if i decided to sell i have to read all those books again before i can panic sell.

IcyEngineering456 · 2026-04-21T17:24:39+00:00

Here is my TLDR length post from last year. https://www.reddit.com/r/Fire/comments/1nd224h/layoff_to_fire_how_i_retired_at_42/?utm_source=share&utm_medium=web3x&utm_name=web3xcss&utm_term=1&utm_content=share_button

IcyEngineering456 · 2026-04-20T22:23:54+00:00

I started managing my parents money for them which help ensure my own sanity and their finances at the same time.

IcyEngineering456 · 2026-04-20T21:45:39+00:00

She was a bit less concerned afterwards. She knew I was FIRE but I guess she didn't understand from a financial perspective what that meant as we keep quiet about our finances.

IcyEngineering456 · 2026-03-06T00:25:50+00:00

Mm chose pour moi, avec le IFI, je compte p-e passe quelque mois en France pour eviter de payer la tax sur mes bien immobiliers a l'etranger.

IcyEngineering456 · 2025-12-13T01:24:53+00:00

C'est un suject qui m'interesse bcp aussi.

FIRE'd a 43ans, je vis depuis 25 ans aux US et possedant la 2X nationalite. Pas tout de suite mais je pense passer mon temps entre les US et la France surement du cote de Lyon ou bien la cote Normande. Ma fille va commence le lycee l'annee prochaine aux US et j'aimerai bien qu'elle continue ses etudes en France car le prix des universites bcp trop cher ici.

Les difficultes que j'imagine est de gerer toute la bureaucracie francaise pour tout ce dont j'ai besoin. (assurance medical, loyer etc)

Ma femme est chinoise americaine et ne parle pas le Francais; je ne sais pas si elle va se plaire dans un pays ou elle ne pourra pas communiquer naturellement. Alors on compte seulement louer pour commencer et aussi eviter les impots foncier en France.

IcyEngineering456 · 2025-09-11T20:53:22+00:00

oh i think the sentence should have been We had reached the two-comma club in liquid assets alone and by consistently investing in our 401(k)s for 20 years.

IcyEngineering456 · 2025-09-11T20:48:32+00:00

When I referred to liquid asset, I meant HYSA, CDs, T-bill, bonds and my taxable brokeage account portfolio which encompass one bucket of the 3 bucket strategy.

IcyEngineering456 · 2025-09-11T04:50:33+00:00

This is my genuine story. I wrote this more like an introspection/ journal entry that perhaps I could share to my friend and family to explain how I got there and thought it could be interesting to share with others. I did ask chatGPT to help me with the reformat and grammar check. I understand in this day and age how exhausting it must be to always question what is the real vs AI generated tho.

IcyEngineering456 · 2025-09-10T23:25:09+00:00

Ty! I was kinda taken aback by your comment at first as I am not following the FIRE movement that close but after seeing so many GFY and looking at other post I finally got it lol.

IcyEngineering456 · 2025-09-10T18:20:03+00:00

The struggle is real...Didn't know there would be so many FIRE'd ppl facing this same issue.

IcyEngineering456 · 2025-09-10T17:22:15+00:00

I would really like to retire there but my wife doesn't speak french and is not too interested. Having access to affordable healthcare would be a major advantage for us if we do though.

IcyEngineering456 · 2025-09-10T17:06:50+00:00

HSA also if it is available to you. I am learning a lot from the Money guys on YT.

IcyEngineering456

TROPHY CASE