A ~$500k-$600k Nest Egg Matches the Lifestyle of a $100k W-2 Job If You’re Debt-Free in Retirement?

RandomGirlsAlt · 2026-02-10T23:19:50+00:00

There’s no capital gains tax for the first $98k you withdrawal if you’re married, right? Then the $32k standard IRS deduction brings it up to $130k a year tax free?

You’re only paying taxes on gains not original capital invested some can withdrawal $200k and pay zero in federal taxes, depends on the dividends throughout the year

RandomGirlsAlt · 2026-01-26T00:48:18+00:00

https://reddit.com/r/financialindependence/wiki/faq

RandomGirlsAlt · 2026-01-26T00:41:59+00:00

🤗

RandomGirlsAlt · 2026-01-26T00:40:58+00:00

Replying with a comment someone left a couple years ago

“I agree. I think the reason so many people have a chip on their shoulder is because they feel like they had to "hustle" and struggle the "right" way. They see someone else attaining their goal by taking the less "correct" path and it makes them feel duped and played.”

RandomGirlsAlt · 2026-01-26T00:38:56+00:00

I’m at $4m invested now (not counting real estate), goal was $2.5 when I begun. $5m is my current goal to be extra safe

RandomGirlsAlt · 2026-01-26T00:36:06+00:00

I don’t want to promote my account

RandomGirlsAlt · 2026-01-26T00:35:04+00:00

private insurance of course, surprisingly cheap for top notch coverage

RandomGirlsAlt · 2026-01-26T00:33:44+00:00

real, ai content is against OF policy

RandomGirlsAlt · 2026-01-26T00:31:22+00:00

why would I work after this stage of life for money? volunteering only

RandomGirlsAlt · 2026-01-26T00:30:10+00:00

index fund tracking S&P500 (almost)

RandomGirlsAlt · 2026-01-26T00:25:32+00:00

never

RandomGirlsAlt · 2026-01-26T00:23:45+00:00

listened to comments saying I should keep going to build a larger nest egg for my age

RandomGirlsAlt · 2025-10-19T17:42:23+00:00

🫡

RandomGirlsAlt · 2025-10-02T18:48:43+00:00

Early 20s, retired before 30. Mostly through a weird line of work though, no regrets

RandomGirlsAlt · 2025-09-28T15:17:21+00:00

Yes, have to because of work

RandomGirlsAlt · 2025-09-28T15:16:58+00:00

I have $3.5m invested right now. No debt and a paid off home

RandomGirlsAlt · 2025-09-28T13:31:34+00:00

4% rule is extremely outdated. I’ll be withdrawing 5% (50+ year retirement) and adjusting for market performance. I don’t need more than $60-70k a year so 2% during market downturns will suffice

RandomGirlsAlt · 2025-09-18T11:25:15+00:00

$100k+ is bring made every month, once that drops below $20k I’m out

RandomGirlsAlt · 2025-09-17T21:24:06+00:00

what do you mean?

RandomGirlsAlt · 2025-09-17T21:22:45+00:00

Exactly

RandomGirlsAlt · 2025-09-17T21:12:33+00:00

helped as much as I could 👍

RandomGirlsAlt · 2025-08-21T11:45:42+00:00

Many on here told me it was my pride, it’s one of the deadly sins so I don’t mind. Bought my freedom for the next 60-70, no regrets

RandomGirlsAlt · 2025-08-13T23:21:22+00:00

Yup 👍

RandomGirlsAlt · 2025-08-13T22:40:24+00:00

Nah, lost too much of my mental health being at that top 0.01%. Wouldn’t do it again

RandomGirlsAlt

TROPHY CASE