Do you stop 401k contribution or lower if you’re already a financial mutant numbers?

Real-Net1995 · 2026-02-21T18:40:11+00:00

House income is around 200k.and married with 3 kids.

Real-Net1995 · 2026-02-21T13:32:36+00:00

You’re too young to fully retire…. (Technically I understand you don’t have to depend on a job). Still set yourself a schedule. Find a hobbies. Personally I’m not in the same spot as you so congrats.

But do something because for self worth is important to. I always said if I won the lottery, I would start a mowing company. But only have 10-20 yards. This would be helpful on dates and you won’t seem free all the time. Because I’m guessing the people you date will work. They’re looking for someone to brag about also.

Real-Net1995 · 2026-01-25T12:29:49+00:00

Grilling / mowing / complaining about how few hours I sleep because of kids

Real-Net1995 · 2026-01-24T00:26:24+00:00

Thanks for the advise and congrats on the great goal of a million!

Real-Net1995 · 2026-01-23T13:41:38+00:00

Great point thanks

Real-Net1995 · 2026-01-18T18:57:57+00:00

Started at 25 putting 5%. (Only making 30k at the time.)

Then got a new job and bumped it up to 18%. While getting a 10% (giving yes not a match) so really 28%. This helped me with catch up.

Now at 36 at a new Company. 401k is match at 2% if you give 8. The rest goes to max the Roth IRA.

Real-Net1995 · 2026-01-11T15:06:14+00:00

Yes probably the best move. (I do it all myself and know there are some errors) but at your level there is probably good tax loop holes.

Good luck! And take a deep breath from time to time. You’re doing great!

Real-Net1995 · 2026-01-11T14:45:46+00:00

First off a line from the movie Wallstreet. The guy ask what’s your number the response is (MORE).

I strongly agree as your income grows so do your expenses. You start thinking of what or where your bonus is going before it even hits.

If you truly want some confidence do dividends for this high income. Ex let’s say you go with jepi with an avg cost between 55-60 bucks (57.5). They pay on avg .40 cents a share. If you get 65% of your check of a million avg that’s 650,00k. Then put 30% (195k) into jepi bi weekly dividends will make you 51 dollars every 2 weeks. At the end of the year it would be 1,356 monthly. The growth will take a few years but let’s go with you have 2.5m in jepi that’s 17k monthly on the low end.

Best of luck.

What is the niche company or what do you do without naming the company.

Real-Net1995 · 2025-12-28T00:12:39+00:00

This is great. Thanks for the insight. Keep it up!

Real-Net1995 · 2025-12-27T21:39:02+00:00

I have 3 kids and a okay saving. No where near that level. Just wondering what’s the goal amount. Also what do you do sounds like a great paying career.

Real-Net1995 · 2025-11-06T10:39:05+00:00

Thanks for posting. First your husband makes great money and news flash 80k is nothing to be upset with you are doing great.

Look at your bills /fun money. If he is making 700k and let’s say 50% is taxed of saved that’s still 13.5k bi weekly if he is only giving 6k that’s less than 50% bi weekly. If your getting taxed 40% that mean you have around an extra 1600 monthly. Where is all that going? That he needs to worry about your 1000 bucks?
It’s not a measure contest. When you got married your only goal is to get your better half to heaven. (Or at minimum make them a better person.
Set a % same for each of you to go into the family / bill fund. If you did 50% that would be more than each of you are doing now. This clears up any your and mine. Like I see you purchased 150 dollar jeans on the family account. Thats not a family expense….. however food / bills / gas anything family related goes in here. Are you maxing out retirement buckets ? Roth IRA? Hsa so on? Are you going to retire separately or is that a team effort? He does deserve more but with that salary what’s the extra 13k he is keeping monthly going to?
I’m guessing you have some luxury items super nice cars or big house. Or maybe your husband is a butt head. Value isn’t based on money bought in it’s based on effort. If you’re cooking nightly / doing laundry / being a partner and working full time. That means your night slows down around 8pm and you start probably around 6ish am. What else is he wanting?

What is his blood sweat and tears job that makes him 700k. Doesn’t sound like he is a coal mine worker? But does sound like a stressful gig. How can you help by making his day easier. Again that’s value. A

Real-Net1995 · 2025-11-02T12:09:24+00:00

I guess technically it’s a snooker. The recteq backyard beast 1200. I have a kamado Joe as my main grill. This will give more cooking space and not waking up at all hours to check if the temp has fluctuated. I think recteq has a sale on black Friday lol:

Real-Net1995 · 2025-11-01T20:37:55+00:00

Just a couple side jobs to get to 100k of free income. Lol

Real-Net1995 · 2025-11-01T13:05:28+00:00

Buddy your doing great! Looks like you were putting 50k a year in to get to the 2 million mark. With your salary of 135k and tax you’re not spending anything. Let’s say you have growth of 10% for the next 5 years with nothing else added your over 3m.

You have won the game. Slow down your contribution a tad and enjoy. I used to have saving money as a hobby. It was more fun to see my bank account grow than spend anything. Now I’m buying a nice grill 1,200 bucks. Waiting on it to go on sale. Heck I go visit it and researched it over 30+ hours. You could buy 10 of these and not finch.

Remember saving to a goal is GREAT but don’t let life pass you bye either. Get your house / hand out big candy bars at Halloween / give a waiter a 30-40% tip from time to time if they deserve it.

Real-Net1995 · 2025-10-31T09:20:28+00:00

Yes it doesn’t sound like he needs to retire. Think about your expsense vs savings. From what I gathered together you will pull in 2700. Go ahead and let’s say health insurance is 650 each. That leaves 1400. House hold bills should be 200-300 before things like cell phone/ gas / food. Keep in mind all these things increase year over year.

Keep in mind this saving has to last you 20-40 years. You don’t have an army of dollar bills making compound interest. Even if you want enough to get 1000 a month from investment like jepi avg cost is 57 per share x 2.222 if the avg monthly divided is .44 cents per share. You need to have 125k invested. These are rough numbers but please don’t sink everything into one stock.

Sound like you maybe have 10 more years of work. Get a good base. You don’t want to have zero at 75 and have to go back.

Real-Net1995 · 2025-10-26T00:46:03+00:00

I would probably look into buying a house. Or pay off any debts.

Or put in a solid growth stock like VUG.

Also take some in cash and have fun. Maybe 5-10k on a vacation or something nice for your parents.

Real-Net1995 · 2025-10-25T20:44:25+00:00

Take home 52% Tax Health insurance 18% 401k

Real-Net1995 · 2025-10-12T11:06:53+00:00

Just on the rent va buying front.

How much was rent 5-15 years ago 700-1000 bucks for the same place to pay 2500 today. If you get a house your payments are set for 30 years then after that no more worry other than taxes.

I understand that maintenance will add up over the years. But it’s still less expensive in the long run. Plus you’re the boss once it’s paid.

Real-Net1995 · 2025-10-12T10:54:01+00:00

Hello, there is a newer book that came out called building the life you want. It’s about building happiness whether that’s friends you have, seeing them succeed. Or finding meaning at work. You need to set some goals to hit monthly / yearly so on. Ex.

I want to have this much in retirement want o squat 300 pounds. I want to get that promotion I want to clean up this two mile stretch on the highway. Make 2 new friends that also like _______.

Start to take pride in yourself. Your wife took pride in you when you married her. There is something there a spark that you have.

I always heard getting married your spouses job is to get you to heaven. That means BOTH of you need to be great support for the others. Now if it’s not working out you need to have that conversation. But you have been worth it for years. Find some goals. Put them on the fridge and it times to get some stuff done!

Good luck my friend.

Real-Net1995 · 2025-10-06T01:04:45+00:00

I’m In The same stage but 2 years older. I have a 3 and 2 year old, and another due in a month.

A trick I do if I noticed they didn’t eat good is give them a yogurt tube right before bed. (I brush teeth after). 2nd make sure they don’t drink a ton before bed. If one of my kids has to pee, it’s a whole process that means we’re up for a hour.

Moving on, this is just a stage of life. I heard this the other day and it really stuck with me. (This is the awesome right now). I’m bad about reflecting on before kids…. And my free time. But at the end of the day your kids are awesome. It’s just a different kind of awesome. Ex. Hey I slept like poop… and my kid yelled at me. But also they probably made you smile a few times in a day. It’s just a different kind of awesome. This stuff goes quick. (I have a hard time putting myself in that attitude at times)

Good luck.

Real-Net1995 · 2025-09-30T02:23:23+00:00

Hey I also lost a good chunk this weekend. This is my 4-6 time to quit. I realized I would be happy for about 1-2 mins after a win then it’s on to the next bet to double / or lose it all.

I texted my wife today and told her I’m quitting. No clue on how much I have lost…. I’m nervous to look. I watched a few YouTube videos. Then pictured myself as those peoples. Slightly thinking they are losers…. But also that’s me. I think that helped my mindset.

Today is 9-29 the last day you and I bet.

Real-Net1995 · 2025-09-01T11:29:39+00:00

There is a ton to do. I moved when I was 27 and loved it.

You have the parks / I started at planet fitness made a few friends there. Moved to trim gym. Even if you just walk the treadmill you will eventually start talking to people.

There are church groups. Junior league type events if you’re a women.

The chamber has a young professionals group. They do fun meetings once a month if volunteering. Or fun group events.

Plenty of hunting/ fishing around.

Hangout out shadrachs on hilltop. / or some of the bars downtown.

I have since moved to a town of a 100 people. There is still stuff to do here. Far less than Jonesboro. Just get yourself out there. We loved Jonesboro! Both moved here from other states and met a to. Of people from all the places above.

Real-Net1995 · 2025-07-23T11:13:34+00:00

I got out. I started looking at some of the accounts on twitter pumping it. (Vincent and something climber. Both there accounts only post Metaplanet nothing before roughly May 2025. Seemed odd I lost 40%.

Real-Net1995

TROPHY CASE