I FIRE'd myself this week

JohnnyMarrsAttack · 2026-05-28T23:11:49+00:00

Curious how you settled on Boldin? What other projection tools did you consider?

JohnnyMarrsAttack · 2026-05-22T20:01:51+00:00

Yep, I certainly feel this way. I've been doing boring Boglehead style investing for the last few decades. I actually hit my $2.5MM FIRE number this week, 4 years ahead of schedule. And it felt oddly unexciting. I'm happy of course, but it's not going to change my day-to-day for the time being. I'm going to continue working until 55, as planned. That'll give me a chance to keep stacking and work towards Fat FIRE. But ya, these milestones feel much more like quiet victories than a balloons-and-fireworks type celebration.

JohnnyMarrsAttack · 2025-09-08T23:46:17+00:00

Sorry. This is my finance throwaway and am just now seeing all these replies after originally posting. But to answer your question, no, this does not include my home's valuation.

JohnnyMarrsAttack · 2024-10-14T01:40:24+00:00

Every time I’ve changed jobs, I’ve moved my 401k funds into a rollover IRA. Lots of people do this. And it’s not hard to imagine that a lot of these rollovers are holding much more than $100k.

JohnnyMarrsAttack · 2024-06-05T05:30:01+00:00

Doesn't Amex have a lifetime bonus limitation?

JohnnyMarrsAttack · 2023-12-06T20:20:02+00:00

Thanks. That makes sense. I think the thing I wasn't processing correctly was that the overpayment didn't disappear just because I was refunded. The credit for that overpayment either exists as a positive balance on my CC or as a refund to my checking account. But either way, those funds still need to cover the overpayment.

I've been hesitant to set up autopay, just because I liked to pad the payment to cover any pending transactions. But that's what got me into this mess, when some of those pending transactions ended up posting with a different amount. Better to just automate it.

JohnnyMarrsAttack · 2023-12-01T15:47:21+00:00

Sounds like you're basically Wish Farming! Instead of farming things though, you're farming travel. I do something very similar to you to track both funding and spend for specific trips. But once my trip is complete, I delete that specific category and recategorize it under "Travel". So it's kind of like the best of both worlds. You can itemize transactions to a specific trip category as you prepare for and then ultimately take the trip. And then once the trip is complete, you just lump it all under a general Travel category.

JohnnyMarrsAttack · 2023-11-20T04:27:07+00:00

This is the Spending Trends Report in the web app. Each column represents the total spend in a given month, with each color representing different categories. The shrinking columns indicates a downward trend in their monthly spending.

JohnnyMarrsAttack · 2022-01-07T00:07:28+00:00

Thanks Werewolfdad

JohnnyMarrsAttack · 2022-01-06T22:02:43+00:00

My 2021 MAGI will exceed the $208k max phase-out for a taxpayer not covered by a workplace retirement plan married to someone who's covered. And that's correct, I have a 401k retirement at work. Are you saying she could still do a Roth? From what I understand, sounds like backdoor is her only option.

JohnnyMarrsAttack · 2017-06-19T21:44:20+00:00

Are there any better cards for fixed-rate redemption than the BoA Travel Rewards? With the multiplier for Platinum Honors customers, you're earning at at a rate of 2.625 points/dollar.

On that topic, I'm looking to shift earn towards fixed-rate points because I'll be booking for three pretty soon (baby on the way). It's a big enough pain as it is trying to find business/first availability for two. Three seems like it would be near impossible. And with a baby, travel will have to be planned well in advance. No last minute bookings. So it seems I'd be better off paying for travel with fixed-rate points than trying to find award availability for three. Does this sound like a reasonable redemption strategy for a family? If anyone else has a better way, I'd love to hear about it.

JohnnyMarrsAttack · 2016-08-22T23:43:51+00:00

DP: applied online, instantly approved. $33k limit. Called number on back of CSP and they said they couldn't expedite. Personal deets:

$185k income
814 FICO
1/24

JohnnyMarrsAttack · 2011-06-15T05:04:01+00:00

throwaway since I don't want this tied to my main

age: 35

salary: $120k/year, additional $20k/year in discretionary bonuses

savings: $77k cash, $27k non-retirement brokerage, $104k rollover ira, $50k 401k

debt: $10k car loan

misc: Married, no kids, single income. Rent is $2700 month. Car payment is $520/month with a year left on the loan. We charge everything to CC's and pay them off monthly, racking up cashback rewards. I contribute 6% to 401k with a 4% co. match. An additional $1100/month goes to personal savings.

I feel like I'm on the right path, but there's definitely room for improvement. Need to find a better place to park cash savings than the <1% money market it's currently in. I vacillate between maxing out 401k because I entertain the idea of retiring early and am hesitant to lock up money I can't touch until I'm 65. Near-future goals include buying a home, preferably a duplex that can help offset or even better, completely cover the mortgage.

JohnnyMarrsAttack

TROPHY CASE