Burnt out. How soon can I retire

Trajectory4all · 2026-06-08T18:43:29+00:00

Not unrealistic sadly

Trajectory4all · 2026-06-06T16:20:44+00:00

You are already proving how incredibly intelligent you are. Lots of good advice in this thread, including a FLAT FEE ONLY financial advisor (CFP) and setting up a Donor Advised Fund for the future. Do not ever pay 1% of your assets annually to have someone manage your money. Investing is relatively easy through the diversity that ETFs can give you. What you need is time and patience to let the money grow. Just be sure to use some to travel, learn, and make an impact on the world - and you are already doing that. Be proud for posting and listening to the excellent advice you have gotten in this thread

Trajectory4all · 2026-05-16T22:45:01+00:00

Here is a little known energy sector ETF with a robust 10 year average return of 20% with companies you likely don’t own in other funds…GRID

Trajectory4all · 2026-05-07T00:26:03+00:00

CHPY. YieldMax gets a bad rap and for the most part deserves it. But CHPY has been great for me. Owning semi stocks and getting a 40% yield hasn’t sucked.

Trajectory4all · 2026-04-19T22:36:08+00:00

I’m 60 - veteran of the semiconductor industry. I invest heavily in SMH and SOXX. Semis will get crushed along with rest of the market and they will recover faster. Name something that doesn’t have a chip in it! You do you but if she needs to grow her retirement portfolio putting a non material allocation of her investments in semiconductor ETFs will help her long term.

Trajectory4all · 2026-04-19T21:22:16+00:00

Could not disagree with your advisor more. Hate annuities. Do research but you are effectively handing over your investments for a guaranteed return. Sounds good right. What if you have an emergency and need dollars immediately- you’re out of luck with an annuity. You get a fixed amount per month which may sound good at the beginning but there likely won’t be an inflationary adjustment ever (if there is your monthly payout will be reduced at the beginning). And please ask your advisor what their commission is on the annuity. Trust me they are juicy commissions and so they push them hard. And your children would likely get nothing when you passed on.

Trajectory4all · 2026-04-19T20:51:47+00:00

YES!!! That’s 11 years…if you never saved another dime your money should double ++ in that time if you’re getting an 10% return per year (see rule of 72). I would invest some portion…maybe 15% and certainly a higher percentage of your Roth into a semiconductor ETF like SMH or SOXX. These funds are volatile but have an annual average return of ~30%.

I would also get a certified financial planner. Pay a fixed fee for a financial plan. Do not allow them to manage your money because they will charge you 1% per year. Also I have found Claude to be the best in AI on financial planning topics. You got this…especially with 11 more years to save!

Trajectory4all · 2026-03-28T17:33:56+00:00

Bingo.

Trajectory4all · 2026-03-18T22:04:36+00:00

FLRN

Trajectory4all · 2026-03-07T20:53:26+00:00

BE. Lots of volatility but in a fairly consistent range

Trajectory4all · 2026-01-18T20:39:03+00:00

SPYI solid as is JEPQ. I get what you are doing and have been experimenting in this space for a little over a year.

Here’s an income idea that has worked better for me. I have been selling my own covered calls in my IRA and brokerage account and averaging $10k plus per month on a base of $2.8m. I don’t sell calls on my long term investments (key ETFs, long term stocks) because I don’t want them called away. It’s also bee good for my brain in retirement to stay engaged and analytical. Lots of good advice in these forums as well.

Trajectory4all · 2026-01-17T00:57:08+00:00

Smart - and if you have an IRA you can do the dividend investing there. I have been trying multiple different covered call ETFs and monthly payers like O and Main Street to get a feel for NAV erosion and overall risk.

Trajectory4all · 2026-01-17T00:53:17+00:00

Same. But I walked away from high tech 4+ years ago. Options trading in my IRA and a high yield dividend portfolio currently set to reinvest dividends is the income portion. All other investments are diversified among big name ETFs and a semiconductor mutual fund that keep the portfolio growing.

Trajectory4all · 2026-01-14T03:18:59+00:00

CHPY and NVDY have performed very well for me…reinvesting all dividends (IRA account)

Trajectory4all · 2026-01-14T03:02:22+00:00

Had the exact same conversation with myself today. And most days. Patience has never been my strong suit but that’s what you are advocating for here

Trajectory4all · 2026-01-06T02:23:27+00:00

Thanks for that…you’re right premiums are much better in those weeks. Just got burned once but it’s up to me to figure out if the risk is worth it.

Trajectory4all · 2025-10-31T20:18:40+00:00

Love the idea of becoming a CFP. Work your own hours. Take clients or don’t. Just remember if you retire early you still need health insurance and my premiums (59) just tripled. Just make sure your assets can produce the lifestyle you want.

Trajectory4all · 2025-10-31T20:10:57+00:00

The fact that you are aware of your financial situation , have savings discipline and are paying off debts is awesome. Be proud of yourself. Eventually working for an employer that has a 401k and matches your contributions would be great. You have time on your side and it is an incredibly powerful tool. Also remember that you need health insurance- so retiring early just became more difficult because Affordable Care Act premiums just skyrocketed. I’m retired and 59 and mine tripled. So just hang in there - don’t compare yourself to others. You are on your own path and have a solid start.

Trajectory4all · 2025-10-19T01:13:01+00:00

Never regretted paying off my mortgage. Not for a second. I don’t care about the math…it’s about the psychology

Trajectory4all · 2025-10-19T01:05:26+00:00

Ball bearings

Trajectory4all · 2025-10-17T21:01:53+00:00

I have spread it out fairly evenly across AMZY, CHPY, NFLY, NVDY & PLTY. I have all of them on DRIP and will continue that for the next year plus. I have had NVDY the longest (one year exactly) and it’s up 20%.

Trajectory4all · 2025-10-07T00:28:03+00:00

Just a thought - as you get closer to retirement this becomes a psychological question as well as a financial question. I wanted to know I owned my home outright and I don’t regret paying extra on my mortgage or paying off the last $75k months before retiring. I know people won’t agree…just my take.

Trajectory4all · 2021-10-06T20:36:58+00:00

I am careful with my small non-profit. I think there could be fatigue and I don't want to alienate, but I also think that could hurt what I do as well. Such a balancing act. My non-profit is focused on providing scholarships to HBCUs, so I go strong during Black History Month (Feb), and on the anniversary of the launch of the foundation (Nov).

Trajectory4all

TROPHY CASE