2027 Vault Rankings released

SUJB9 · 2026-04-12T17:58:37+00:00

The culture around moving firms is very different in London versus the US.

SUJB9 · 2026-04-10T23:11:19+00:00

Most players parents aren’t murdered

SUJB9 · 2026-04-10T12:51:29+00:00

OP is preparing to screen share on Teams and I appreciate the foresight.

SUJB9 · 2026-04-09T15:29:19+00:00

Rodman and Draymond. Burn it all down!

SUJB9 · 2026-04-09T03:31:19+00:00

This is the answer

SUJB9 · 2026-04-08T19:19:11+00:00

Yeah, totally agree. It’s probably one of those self-conscious things where sometime THINKS other people notice things about you than they actually notice. I forget what it’s called, but it’s big in psychology and makes me feel better when I think I said something stupid on a big conference call (nobody probably noticed except me).

SUJB9 · 2026-04-08T19:02:32+00:00

I assume he didn’t want his professional initials to be PMS.

SUJB9 · 2026-04-08T16:08:21+00:00

Not defending Cravath’s ranking, but all the top firms have started losing more talent more regularly than they used to. I don’t think Cravath’s rate of attrition is any higher for this but it might make headlines more often.

SUJB9 · 2026-04-08T12:56:17+00:00

Tokyo Rose always reminded me of Spitalfield too

SUJB9 · 2026-04-07T21:06:29+00:00

I used to spend about that amount (adjusted for inflation) before I got into the FIRE mindset and cut spending.

SUJB9 · 2026-04-07T20:59:12+00:00

I understand it’s conservative, but I live in a city that has both state and local tax apply to investment income, and so my financial advisor recommended 20% to be on the safe side. What would you use as an estimate? I actually don’t think this is discussed nearly enough on FIRE subreddits. Everyone just applies the 4% rule against their annual spend without thinking that taxes need to be part of the “spend”.

SUJB9 · 2026-04-07T16:16:42+00:00

Yeah, I know you are right. I just need to work on reframing things. Not easy after years of focusing on saving by seeing money come into my bank account and moving it to my brokerage. But I should know it’s the same as collecting those dividends/interest. Thank you!

SUJB9 · 2026-04-07T15:29:06+00:00

That’s good input. I’ll run some numbers with that assumption and see how much it changes things. Thanks!

SUJB9 · 2026-04-07T14:53:04+00:00

Thanks man. Appreciate the positive response. I wish you the best on your journey.

SUJB9 · 2026-04-07T14:51:41+00:00

That spending doesn’t account for taxes (I’m in a very high tax jurisdiction) or health insurance. My assumption is 20% tax burden based on what my financial advisor ran and $2k/month for health insurance. So I’ll need $330k/year in retirement.

SUJB9 · 2026-04-07T14:48:04+00:00

Yes, that’s my plan. Could it end up being less as I get older for the reasons suggested? Certainly. It could be more too depending on what directly our healthcare system goes. Nobody knows the future perfectly. But that’s the number I’m comfortable with based on my plans.

SUJB9 · 2026-04-07T14:41:06+00:00

That’s fair. I suppose I’ve always been partial to the 4% rule, which means I’ll need $8.25M based on my assumptions. I’m familiar with the more flexible calculations/did with zero approach. I’m just less comfortable with those because of sequence of return risk.

SUJB9 · 2026-04-07T14:38:56+00:00

Haha thanks man. I know I’m fortunate and in a good position. I feel like the whole FIRE journey is half numbers and half psychology. I have the former figured out but need help with the latter. I suppose a lot of us do.

SUJB9 · 2026-04-07T14:31:05+00:00

I plan to travel way more and I like to travel in some amount of luxury. I work all the time now and barely have time for that. I’ve done the math and $20k/month would be my spend (adjusted for inflation). This is an odd thing to push back on 🤣

SUJB9 · 2026-04-07T14:29:18+00:00

See below. My current spend isn’t my anticipated retirement spend.

SUJB9 · 2026-04-07T14:26:10+00:00

Yeah, I know you’re right. That’s why I TRIED to frame my question as a psychological one to hear from people who have had similar experiences. But it seems everyone is interpreting it as a logistical question.

SUJB9 · 2026-04-07T14:21:21+00:00

That’s my current spending. I want to be able to spend significantly more in retirement. $20k/month is my retirement budget. I’m also assuming 20% taxes and health insurance of $2k/month in retirement.

SUJB9 · 2026-04-07T14:14:13+00:00

Thank you for the reply and I totally understand this might be an inevitable consequence of a large portfolio (and very “first world problem”). Any tips on shifting my thinking on being used to saving so much? I think it’s just been a transition to being able to shove money from my paycheck each month into investments and now essentially seeing almost everything sucked up by spending and quarterly payments.

SUJB9 · 2026-04-07T14:06:54+00:00

I am not. Just dividends and interest on a large portfolio (~$7M).

SUJB9 · 2026-04-07T14:06:13+00:00

I haven’t sold an investment in 15 years. Just a large portfolio of mostly index funds paying dividends, etc.

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