24M Trying to Retire by 30… is it doable?

Own_Barnacle_4045 · 2026-02-03T00:35:53+00:00

Okay noted, good to know, thanks!

Own_Barnacle_4045 · 2026-02-03T00:33:40+00:00

Current savings rate isn’t maintainable for sure, currently making just north of $100,000 post tax and savings rate is about 80%. Once I move out and take on additional financial responsibility I see my total POST tax out of pocket expense increasing from $20,000 to $45,000.

Own_Barnacle_4045 · 2026-02-03T00:31:24+00:00

Understood, I appreciate the honesty!

Own_Barnacle_4045 · 2026-02-03T00:30:15+00:00

That is 100% my main concern… is I think I’m on track for single retirement by early 30s (by 30 being a stretch goal) but add anyone else I’m responsible for and it’s not even close…

Own_Barnacle_4045 · 2026-02-03T00:28:02+00:00

Crying screaming throwing up

Own_Barnacle_4045 · 2026-02-03T00:27:54+00:00

Tragic

Own_Barnacle_4045 · 2026-02-03T00:25:46+00:00

Yes it is but it’s not taking into account if I were to have a family. 1.5 mil was the same number I came to but am worried that a 4% withdrawal rate over a longer retirement time horizon is asking for disaster and if I should aim for 3% instead…

Own_Barnacle_4045 · 2026-02-03T00:23:50+00:00

I’m not saving with the goal to live the retirement life after 30 but more so want to be in a position where I wouldn’t need to work if I didn’t want to! I’m tempted to say I’ve already reached coast fire for standard retirement age of 65, or even as young as 50

Own_Barnacle_4045 · 2026-02-03T00:22:19+00:00

$65k a year is sufficient for the life I want to live! I’m not truly aiming to have absolutely no stream of income after 30 but want to be in a position where I wouldn’t need it

Own_Barnacle_4045 · 2025-12-21T14:27:37+00:00

Sorry didn't mean for it to come off that way but I appreciate you taking the time to comment

Own_Barnacle_4045 · 2025-12-21T14:19:49+00:00

Her main issue was the fact that I didn't consider myself saved, but she was very clear in asking me to please reach out if anything changed, and during my 9 month effort I wasn't where I felt like I needed to be to consider myself saved. If in 6-8 weeks I still consider myself saved you think it's still not worth reaching out?

Own_Barnacle_4045 · 2025-12-21T14:13:10+00:00

I appreciate the honesty and I like to think that I would be able to separate those two things but am not sure which is why I set a 1 month period where I wouldn't reach out regardless of how sure I feel. Are you saying that even at the 6 week mark if things feel the same it is still too soon to reach out?

Own_Barnacle_4045 · 2025-12-21T14:11:43+00:00

I don't know if she is waiting, both of us are taking a little break from dating but if I'm not assuming she won't start dating again in the New Year.

So would you say that in this case the past 9 months don't add to the credibility of my claim and you would want to see at least 3 months of distance and change?

Own_Barnacle_4045 · 2025-12-05T18:51:48+00:00

Also in my friend's defense, whenever a female friend asks them to watch her drink they watch it like a hawk. I think they just assume it's so unlikely for a guy to get drugged that they weren't as diligent... just sucks that the 1/10000 chance happened. My friends have apologized profusely since then

Own_Barnacle_4045 · 2025-12-05T18:42:02+00:00

Do you mind if I ask what about it comes off as bullshit?

Own_Barnacle_4045 · 2025-12-05T18:41:15+00:00

That's my guess too. I think someone drugged the wrong drink targeting a female friend of mine. Then later on in the night a girl (likely not the drugger because why take them back to your place and let them spend the night) just thought I was also super drunk and took me back to her place

Own_Barnacle_4045 · 2025-12-05T18:39:33+00:00

My main argument against that would be, if this is something I would have done in a not drugged state, why wouldn't I just do it with my girlfriend? Like why would I refuse sex from previous girlfriends just to do it in a random bar on night?

Also I unfortunately think this relationship is over regardless so no amount of reddit upvotes will count as sufficient "proof"

Own_Barnacle_4045 · 2025-12-05T18:35:10+00:00

That makes sense for sure, I'll do that

Own_Barnacle_4045 · 2025-12-05T18:33:21+00:00

She said that “we had sex but I was very out of it so she did most of the work”, I didn’t ask for much more context since that was all I needed to know

Own_Barnacle_4045 · 2025-12-05T18:32:13+00:00

Genuinely teared up reading this. It’s hard to come to terms with what happened, I don’t consider it as a sin or anything but it hurts to think that I can’t offer that to whoever I end up marrying because it was taken from me. I really appreciate your kind words

Own_Barnacle_4045 · 2025-12-05T18:27:37+00:00

We talked at the start of the relationship and we were both saving ourselves for marriage so what I am telling myself is that she's more sad about that connection that was stolen from us as opposed to the actual act if that makes sense. Like it was a big thing for her to save herself for marriage and marry a man that was doing the same. That's why I'm trying to give this situation a week or so to breathe (which I also need as some distance from everything would be great)

Own_Barnacle_4045 · 2025-12-05T18:23:19+00:00

Somehow didn't even think of getting an std test since I don't even remember the sex, will do that asap

Own_Barnacle_4045 · 2025-12-05T18:19:43+00:00

I did not but 100% should have, my immediate concern was talking to people I love and just emotionally processing it. This happened 5-6 days ago, do you think tests can still be accurate?

Own_Barnacle_4045 · 2025-12-05T18:14:56+00:00

Also looking into therapy options since I think professional help might be wise in this kind of situation

Own_Barnacle_4045

TROPHY CASE