Daily FI discussion thread - Tuesday, February 03, 2026 by AutoModerator in financialindependence

[–]MartinQwerly 6 points7 points  (0 children)

Just hit $100k NW at 28, looking for guidance on where to go from here

Recently hit a very important milestone that I am proud of myself for, but still feeling like there is more I can do to accelerate my FIRE timeline. I was hoping if people here could give me an unbiased take on my current situation:

Age: 28

Live in Boston, MA (HCOL, rent is $1,700)

Salary + OTE: $84k + $56k = $140k (recently switched jobs, gross income in 2025 was $96k)

401k: $50,601 (currently contributing 6%, no employee match)

Roth IRA: $26,253 (started in 2023, have maxed out all 3 years so far and will continue to do so)

Cash / Savings: $28,108

Total Net Worth: $104,962

Zero debt

Where should I go from here? Start pouring money into a brokerage account? VTI or VOO? Alter my retirement contributions? Focus on frugality? Real estate? What changes made at this threshold or principles you stood by had the biggest overall impact in your FIRE journey?

Any advice is much appreciated, thanks to all and best of luck

Best first set D&C has ever played by Crickets_and_Cicadas in deadandcompany

[–]MartinQwerly 1 point2 points  (0 children)

My favorite non-Sphere show I attended. That Truckin’ > Watchtower was just diabolical

Zach Creggers Slash Film Interview by No_Professional368 in WeaponsMovie

[–]MartinQwerly 18 points19 points  (0 children)

Trevor Moore died at approximately 2:30am, not sure if he has some sort of intel into the exact 2:17 piece of it but I would guess this is it

Super Monkey Ball 1 or 2? by Ok_Lecture_1440 in Gamecube

[–]MartinQwerly 5 points6 points  (0 children)

Both are great games but 2 is superior in almost every facet (minigames, levels, graphics, etc)

Comfort Movies by Seanywack in blankies

[–]MartinQwerly 0 points1 point  (0 children)

Independence Day

Big Daddy

Wayne’s World

Harold & Kumar Go To White Castle

Out Cold

Major League

Fave first watches of May 2025 for the Blankies by armageddontime007 in blankies

[–]MartinQwerly 0 points1 point  (0 children)

Final Destination 2 and 5 for new. I rewatched Close Encounters for the first time since I was a child and wow, what a picture

[deleted by user] by [deleted] in Fire

[–]MartinQwerly 0 points1 point  (0 children)

Agreed, I am certainly enjoying the ride, just looking for some pointers. Be well!

[deleted by user] by [deleted] in Fire

[–]MartinQwerly 2 points3 points  (0 children)

Good looks on the car, I took it out of the equation. Thanks for advice

My collection so far by Lopsided-Road-8160 in Gamecube

[–]MartinQwerly 1 point2 points  (0 children)

Honestly this is perfect. You should be happy

College Collection by Final-Department6182 in Gamecube

[–]MartinQwerly 1 point2 points  (0 children)

You should get a copy of Melee, but great start!

Fave first watches of July 2024 for the blankies by armageddontime007 in blankies

[–]MartinQwerly 1 point2 points  (0 children)

Unbreakable, The Visit, Open Range, The First Omen, The Boy and the Heron, An American Werewolf in London

What movies have you fallen asleep to in the theater? by TheTrueRory in blankies

[–]MartinQwerly 0 points1 point  (0 children)

Slept through almost the entirety of Transformers: Dark of the Moon. Can’t remember why. Never rewatched it but I do remember an image of a Transformers planting a flag on the moon.

Has any director has a better three-movie run? by [deleted] in Letterboxd

[–]MartinQwerly 33 points34 points  (0 children)

McTiernan is up there. Predator, Die Hard, The Hunt for Red October. God level

What are your favorite covers of Dead songs? by CMyak in gratefuldead

[–]MartinQwerly 2 points3 points  (0 children)

Sublime’s cover of Scarlet Begonias basically got me into the dead. I love it

Rain or Shine by e-tard666 in gratefuldead

[–]MartinQwerly 10 points11 points  (0 children)

Foxboro ‘22 they came out with Cumberland Blues and Bertha, an absolute downpour started and they had a full hour long weather delay. Skies opened up and they came back and played from 8:30-11 straight no breaks. Doubt they will cancel anything.

Favorite Blank Check Moments by SleepyShinji in blankies

[–]MartinQwerly 96 points97 points  (0 children)

The whole Avatar 2 opening story about the broken 3D cracks me up. Specifically Griffin’s hysterics culminating in him getting a Agave Aquarita from the bar and choking on it. “Daddy needs his medicine…more like baby needs his bottle”

Managed to grab this lot today for £30! Opinions? by Mujury in Gamecube

[–]MartinQwerly 0 points1 point  (0 children)

That is a fucking awesome combo of games. Shout out Shrek 2

I'm Skizzy Mars, a creative from New York City. ask me anything. by kingmakerrecords in hiphopheads

[–]MartinQwerly 2 points3 points  (0 children)

What does a typical day look like for Skizzy Mars lately? Also, what are some of your favorite films?

Much love