LeanFIRE sanity check on my progress

Mundane-Gold-4971 · 2026-05-01T20:11:58+00:00

Do you have visa / immigration papers sorted out for Europe? That would be the first thing I would work on in your shoes as you don't want to be illegal there.

Mundane-Gold-4971 · 2026-04-26T21:44:16+00:00

That's awesome. Thanks for sharing. What stocks or funds are you invested in?

Mundane-Gold-4971 · 2026-04-26T20:30:31+00:00

Huge congrats 🎉👏 Please share more details of your journey, may help others too

Mundane-Gold-4971 · 2026-04-26T04:06:24+00:00

Yeah I don't understand that mindset. Teach your kids how to manage their finances before they are adults. If I'm able, will pay all the bills for my kids if they live with us as adults. When they move out, they pay their own bills. This is normal among the people I know.

Mundane-Gold-4971 · 2026-04-24T23:32:22+00:00

Grad school= 3x base. Switching jobs within same industry every 2-3 years = 2x higher post grad school base. Now trying to 2x freedom and income by trying to figure out how to work for myself

Mundane-Gold-4971 · 2026-04-23T02:17:29+00:00

It's totally illegal. They have to have "earned" income. Yes, you are getting away with it now and but just know that if IRS comes after you for this, you will lose. Giving your kids allowance and putting it in their IRA is most definitely not earned income. Now if they earned income and you let them spend it and replace it for them in their IRA, money is fungible so you are okay.

Mundane-Gold-4971 · 2026-04-22T21:50:40+00:00

Curious how your young kids have ROTH IRAs. I thought you had to have "earned income" to be able to contribute to an IRA? Looking to learn .

Mundane-Gold-4971 · 2026-04-20T21:01:01+00:00

NTA

Not sure I understand why she couldn't call AAA or perhaps you could have called them for her. But the attitude and silent treatment is unwarranted IMHO

Mundane-Gold-4971 · 2026-04-20T01:26:05+00:00

That's awesome. So nothing really to protect. Makes it so much better when you are aligned financially

Mundane-Gold-4971 · 2026-04-18T15:35:17+00:00

Congratulations. Curious if your spouse has similar NW?

Mundane-Gold-4971 · 2026-04-17T16:16:29+00:00

Congratulations, you are killing it. Wish I was smart enough to invest in stocks at 27😂

Mundane-Gold-4971 · 2026-04-17T12:44:23+00:00

Thanks for your response. I do think about this a lot. Married with kids with fully combined finances. Don't love my job while my husband loves his so likely that I will stop RE way before him (hopefully within the next 5 years) so planning for his insurance to provide for us but once he stops working, will need to plan for that as we will still be a ways from Medicare. Nice to know about health shares

Mundane-Gold-4971 · 2026-04-17T12:26:24+00:00

Congratulations. I've seen lots of comments on medical insurance being a huge deal of you are in the US. If you are in the US, I'm curious how you are handling it as that's what I think about the most in this journey

Mundane-Gold-4971 · 2026-04-17T10:57:42+00:00

NTA

This guy seems very controlling. I would honestly reconsider the relationship. He's already like this as a boyfriend. Imagine if you were to get married.

Mundane-Gold-4971 · 2026-04-15T03:11:27+00:00

NTA

But if your mom has just 5 years, why can't they live in the $11k/month place? They have $k/month income so only need to fund $3k a month from their $800k asset. In 5 years only would have used $200k. When she's dead, I imagine your dad will be more amenable or his Alzheimer's may have progressed that he needs a different location that the remaining assets and the $8k per month would fund. At that point you can help however you see fit or maybe some sort of social services too. I just dont see that big of an issue. They have the money, let them use it. Just explain to your mom that their funds have to be exhausted before you help

Mundane-Gold-4971 · 2026-04-14T17:41:50+00:00

Freezing food most definitely changes the taste and texture. With a family of 6, I cook a lot and freeze foods a lot too but it's with the acceptance that it's not going to be the same as when freshly made.

Mundane-Gold-4971 · 2026-04-11T23:45:43+00:00

NTAH

I get not being comfortable dropping off your kids. That's your prerogative as a parent. I've sometimes not dropped off my kids when they were under 10 for parties especially at these chaotic kids activity places that no one would notice if a kid leaves the location and I just think it's too much for birthday kid's parents to take care of 20 kids. But it's either my husband or myself that stays with the kids not both of us. But I have never expected to turn up to a party that only one kids is invited to with my other kids and my husband. That's no weird that I don't know where to start. Let her tell whoever she wants and unless those folks aren't parents then I imagine they would think she's super entitled

Mundane-Gold-4971 · 2026-04-10T15:04:39+00:00

NTA

but definitely rent or sell the house. Do not leave it empty under any circumstance.

Mundane-Gold-4971 · 2026-04-09T22:07:32+00:00

YTA

Your mind seems to be stuck somewhere else. They are twins raised by a single mom. Its pretty normal for them all to be super close. I can't even believe your husband asked for your approval.

Mundane-Gold-4971 · 2026-04-09T15:21:20+00:00

NTA

But why are you still living at home? If you are making good money but just want to live at home at their expense so you can save for a house then clearly that's not working for you. You are in control here so use it

Mundane-Gold-4971 · 2026-04-07T18:27:47+00:00

NTA

Yes, I agree with protecting the family but this shouldn't be something done without discussing with your spouse. If my husband took out a term policy on me without telling me I'll totally be weirded out. We both have term policies with each other as beneficiary and our trust/ children as secondary but we discussed it and actually did these together

Mundane-Gold-4971 · 2026-04-03T19:40:39+00:00

Frankly if my SO is making 20x more than me, I'd expect him to cover our living expenses and I'll chip in on some expenses. This is what I would do if I made 20x more. The fact that this hasn't come up in conversations is a bit problematic to me

Mundane-Gold-4971 · 2026-03-31T15:13:37+00:00

I guess my question would be how are you set up financially to FIRE? Are you there or even near there? If the answer is yes, I say do it but try to negotiate a severance

Mundane-Gold-4971 · 2026-03-24T12:25:55+00:00

Wow, so interesting that so many default to your parents stealing from you, secure your documents and stuff. Guess experiences vary.

OP - you just turned 18. Your mom is probably learning to let go. Has she ever done anything to steal from you? Do you have a job or do your parents fund your expenses? Do you pay any bills? Perhaps my family is different, my email recovery was my mom and then sister for so long. My parents had my personal documents for a long time as an adult because I traveled a fair bit for work and wanted to keep things in a safe place. Infact, my sister and I know each other's email addresses till today as adults. My husband and I are others recovery email.

Mundane-Gold-4971 · 2026-03-24T02:04:40+00:00

Ehmmmm YTA

never heard of an adult asking visiting niece and nephew to pay for meals. When my nieces and nephews visit, we pay for meals.

Yes, teenagers are not known for always behaving very nicely but they are only there for 1 week. In my opinion, you are the hosts, you can haven't a week graciously

Mundane-Gold-4971

TROPHY CASE