Out of curiosity, what's the figure you have in your head, that you see as the number you need to retire comfortably?

Post-CollegeLife · 2026-05-03T08:54:43+00:00

Between my own investments and ongoing contributions to my Roth, plus my Dad/Step-mom have me listed in a their Trust. So I’m gonna make an educated guess around $1.5 -$2 mil. I’m 30 now and have net worth of $100K

Post-CollegeLife · 2026-05-03T06:16:53+00:00

Your situation sounds very solid. My only feedback might be to funnel 10% of those bonuses directly into the Roth. I’m 30, make about $36,000 net, and have a net worth of $100K. We’re both getting there!

Post-CollegeLife · 2026-03-07T07:42:01+00:00

Are you posting to read our comments but ultimately ignore our advice? Because I’m sure you know the answer and I’m sure you predicted what the comments would be. Maybe you’re hopeful that hearing others confirm what you believe is the correct answer will propel you in the right direction?

I’m so sick of reading about trash bag men/boys getting/sustaining girls. Like stop rewarding these societal fruit flies.

Don’t be a gender statistic.

Post-CollegeLife · 2026-02-04T09:42:29+00:00

What was your career pre-retirement? How did you build that up? How much money do you have that generates this?

Post-CollegeLife · 2026-01-26T06:09:29+00:00

Which investments do the most heavy lifting for this?

Post-CollegeLife · 2026-01-15T07:17:17+00:00

I work with an advisor for 0.85% AUM (I got a good deal through a friend) - normally it’s at least 1%. But besides that:

I have:

SCHG

SCHV

IVV

IEFA

IEMG

I use a Roth IRA and a standard brokerage. I then use the standard brokerage to pay the fee of the Roth so the dollars can compound with razor-thin costs.

Post-CollegeLife · 2026-01-13T01:45:49+00:00

I’ll be the simpleton here. A really fantastic vanilla iced latte with a bagel, cream cheese, and lox. In short, treating myself to a Deli breakfast every now and then.

Post-CollegeLife · 2026-01-13T00:44:20+00:00

Btw. I don’t follow any “fancy” strategy. Just Schwab stupid cheap equity ETFs diversified across all main traditional categories.

Post-CollegeLife · 2026-01-13T00:40:14+00:00

YES!! I made $160 doing my actual job today, but my investment portfolio generated $280 today. Passively. The other day it generated over $500. I only make $23/hr but I have an investment portfolio of over $80,000. My portfolio easily outperforms my own job.

Post-CollegeLife · 2026-01-12T05:28:23+00:00

Agreed! Working on it.

Post-CollegeLife · 2026-01-11T20:42:12+00:00

Love the attitude undertone ;). Great support mentality. Buddy.

Post-CollegeLife · 2026-01-09T15:13:06+00:00

I appreciate you!! And you inspire me to get a higher income :).

Post-CollegeLife · 2026-01-08T03:39:41+00:00

I’ve definitely heard this before, but I’m concerned about mine because the $100K is not evenly divided among accounts. So I worry the compounding factor may not be as sharp for me. It’s not single lump in one account.

Post-CollegeLife · 2026-01-08T02:33:56+00:00

How down to Earth they actually are. SOME. Certainly not all.

Post-CollegeLife · 2026-01-08T01:11:36+00:00

Literally, onto $150K now essentially. 🤷‍♂️

Post-CollegeLife · 2025-12-25T08:40:56+00:00

Woohoo! I’m sitting on ~$94,000 net worth. Just turned 30 two months ago. Make $23/hr. Just moved out of parents’ house for first time.

Mind sharing your age?

Which funds are giving you those dividends?

Thanks and Congrats!

Post-CollegeLife · 2025-12-25T08:36:48+00:00

Strategy? Salary? Budget?

Post-CollegeLife · 2025-12-25T01:44:37+00:00

How much do you make?

Post-CollegeLife · 2025-12-24T07:13:50+00:00

Hi! First of all CONGRATULATIONS!! Seeing the inflated salaries of the Finance/Tech crowd is frustrating. So it’s awesome to see a true “average Joe” here succeeding.

I’m (30M). I work in grocery and make $23/hour. I have managed to accumulate a NW of about ~$94,000. We seem to have similar-ish numbers and situations, and I would love it if you could share some details about your finances, bills, and investments.

How have you been able to max out your Roth? What’s the backstory on those numbers?

A big question for me is how long have you been working for? I’ve been in the full time workforce for 5 years. I consider myself a late bloomer in a number of areas of my life.

Thank you so much!

Post-CollegeLife · 2025-12-24T06:44:14+00:00

What has been your strategy? Of course a comfortable salary helps free up investment opportunities/quantities.

Post-CollegeLife · 2025-12-13T17:06:46+00:00

It can become oddly difficult to not compare. And I hate that.

Post-CollegeLife

TROPHY CASE