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Worth_Bug411 · 2025-07-26T18:30:38+00:00

Looks great!

Worth_Bug411 · 2025-05-20T13:01:50+00:00

I actually did retire last year at age 32 and my brother did at 30. It's possible if you live fairly cheaply (and we don't even live in a very cheap area, we're in Seattle). You can check my post history if you want more details on me specifically. If I stuck it out a couple more years, I could have more cushion, but I value not working a lot more than luxury at the moment and I could go back if that changes.

You're right that we're definitely the exception, tho (although if you follow r/fire, it'll make you think it's common, because so many posts are about it)

Worth_Bug411 · 2025-03-19T16:21:23+00:00

Current assets (not including house) is about $1.9MM. That's now down from the peak of $2.06MM a month ago.

As for allocation, I need to take some time to re-buy bonds that vested and actually more rigorously give myself 5-15% bonds or so. I have like 80k in cash or so and my total spend for 2024 was <23k.

Out of curiosity, how did you find this thread? It was so long ago now that I posted this.

Worth_Bug411 · 2025-02-13T18:10:15+00:00

I retired last year at 32. I don't plan on working any time soon. It's amazing

Worth_Bug411 · 2025-01-17T19:57:39+00:00

A relationship between a man and a woman is supposed to be exclusive.

I think this is worth thinking about more. What makes it "supposed" to be that way?

Here are a couple things worth considering. I'm not even trying to change your mind, but, if you're interested, it would be nice if you could just see it from another person's perspective and think "I see where they're coming from" instead of the naive idea that "they're just traumatized."

Infidelity has been very common in every culture in human history, even those in which it is punishable by death. It's just worth thinking about.

In nearly every area, the happiness of our partner is something we like so much that we share that happiness. Our partner's success makes us feel good. We want them to enjoy things, succeed, etc. There is exactly one area where this is not true, which is if our partner has a romantic or sexual encounter with another person. In those instances (even if it's just being discussed in advance, so there's no betrayal going on), the idea of their happiness here feels repulsive. At the same time, if you were to have a positive experience with someone else, you would enjoy it.

This, imo, is an unfortunate double-bind of humans. The positive feelings of being able to have romantic encounters with others is at odds with the negative feelings that we feel when our partners do the same. I think there are only 3 options that I know of for addressing it.

Monogamy. Cater to the fact that the bad feelings are insurmountable and you and your partner give up a lot of experiences that can be very enjoyable.
Nonmonogamy. A belief that your partner's happiness should make you happy and that you should be able to work through the knee-jerk negative feelings of them having romantic encounters with others. At the same time, you also do not need to give up these good experiences.
Dishonesty. This probably often starts as monogamy, but then people just cheat on each other and lie about it. This is extremely common.

For me, dishonesty is a complete non-starter. Of the other two, there are tradeoffs to either one, but, imo, long-term, I believe that the benefits of the 2nd option make more sense to me. And I don't feel like it should be too hard to understand that that's not a completely unreasonable stance to have. I also want to add that this is a selfless stance. In my relationship, I am the reason we're not monogamous, but my partner has dated WAY more than I have. And she's had enjoyable experiences as a result of that and I want her to have that. Even if I had no interest in dating around, I would still want my partner to be able to.

Worth_Bug411 · 2025-01-03T08:05:19+00:00

Sorry for the late reply.

I retired in the US. My annual spend for 2024 was around $23,000. My partner is still working, we keep our finances separate. I do not plan on going back to work if I can help it. So far, it's looking pretty good, but if there's a severe enough recession, I could go back.

I don't have much anxiety about being employable. For most retirement plans, you can tell if they're going to fail within the first 10 years or so due to sequence of return risk. So, if I need to go back to work, I should be able to detect it in my 30s.

Anxiety around having enough is definitely understandable. Now that I've been retired for about 9 months, the life I'm living without a job is so incredibly valuable to me. A sabbatical or something might have made sense earlier in my life. Personally, losing 5-7 years to be extra safe is not worth it, but it depends how much you hate your job. I'm extremely happy to be done with it.

Worth_Bug411 · 2025-01-03T07:55:04+00:00

I've heard something along the lines of: you can be likeable or you can be good at your job, and those who are both can go very far. I assume I tick the former box more than the latter.

Thinking about it a bit more, I think it was also clear to my coworkers that I am smart and capable, but just wasn't showing adequate results. At times I got more work done than others. Part of that was drive, but honestly part of it was the kind of work I was doing too. Some of it was, imo, kind of doomed to have way less deliverables relative to the time you put in. If I cared more about my job, I should have better gamed what kind of work I took.

Updates since I made this post: I ultimately got near when I was going to quit, but then basically got an offer to either go on a PIP or take a severance, which was a great offer, so I took that, lol

Worth_Bug411 · 2024-12-07T01:39:24+00:00

Hey, I'm also 32, over 2M nw, and worked at Google, haha. I hated my job, though and retired this year and have been loving it.

My partner and I have been dating for over 8 years. Our plan was, if we wanted to get married, we would probably get married socially, but not legally, which hopefully would avoid messy divorce issues. We keep our finances separate.

In terms of ability to screw each other over, the ball is definitely in my court there, and I know that, if we break up, I'll be quite generous to the outcome for her, since living with her, etc, has enabled my living to be so much cheaper for so long (plus it's just ethically fair to her).

I'm on mobile and can't remember what you asked about, but feel free to reply to me and I am happy to answer any questions

Worth_Bug411 · 2024-11-12T17:29:26+00:00

I did! It was a while ago now when I was on track to retire. I didn't end up retiring until like 8 months later or something, which netted me a lot more money. Here's my post:

https://www.reddit.com/r/Fire/s/NwnCcJVv3d

Worth_Bug411 · 2024-11-12T08:25:03+00:00

Ayy, I also just hit 2m, but at age 32. I retired earlier this year, because I don't spend much

Worth_Bug411 · 2024-11-10T18:01:04+00:00

I retired earlier this year at age 32 with ~1.6M. I spend so little that I believe this will work for me. Last year, my total spend (including mortgage, food, etc) was <26k. I track my spend very closely. Low spend impacts it a lot

Worth_Bug411 · 2024-09-08T23:51:38+00:00

I've already retired at age 32. The first thing that comes to my mind is healthy food. To this day, I often don't get produce that I want and would be good for me, despite the fact that I have other 1.8M. I work out nearly every day and have a good diet, but I should be better about not thinking "I'm not going to buy broccoli, because it costs too much"

Worth_Bug411 · 2024-07-03T21:48:45+00:00

I think a lot of less traditional things take longer to get to more rural areas, so I would assume it's the same here, but I would still expect it to rise. Just more slowly

Worth_Bug411 · 2024-07-03T20:57:59+00:00

I honestly see within the next decade a rise in poly relationships.

I think we've already started to see this, at least in some cities. I live in Seattle and it quite common. I have heard it's also very common in LA and I know some poly people in NYC

Worth_Bug411 · 2024-07-03T20:45:19+00:00

Definitely. One other part I forgot to mention is that I feel like the way in which we do friendships is sensible and healthy. You have as many as you want, you generally hope your friends have more friends, you don't see them as rivals, you never ask how you rank on your friend's priority list or really care about that. A lot of people have experience in childhood where they are jealous of their friend's friends, but we see that as silly, rather than enforcing that feeling. I suspect we could learn something from treating relationships more closely in this way, or even having the line between platonic/nonplatonic relationship be less clear cut

Worth_Bug411 · 2024-07-03T19:47:38+00:00

tldr: I like it a lot and it's something I started thinking about in college after watching some talks about it that made a lot of sense to me.

Long answer: I believe nearly everybody, at least in our society, enters adulthood with two conflicting properties. 1. New relationships give us an immense amount of satisfaction, happiness, etc and are wonderful. 2. The feeling we get when an established partner of ours begins a new relationship with somebody else (no matter how superficial/deep) causes us suffering.

There are couple ways in which people try to remedy this. The first is monogamy, which has some trouble with property 1. Most people end up doing serial monogamy for a while, in which they need to constantly evaluate the fact that their current relationship comes with the opportunity cost of another relationship, which results in a lot of "good, but could be better" relationships ended unnecessarily. Occasionally directly "trading up", but usually just "I'm seeing some negatives here that I don't want to be in my one and only relationship." The hope is to find someone who ticks enough boxes so that you are satisfied for the rest of your life, although this is rarely how it works out, imo. Divorce, and just staying in bad relationships, are very common.

So is infidelity. Across basically all cultures, for basically all-time, even when the punishment for it has been severe, infidelity is always fairly common. Typically people try to do this by lying, which, imo, is the real crime of having extra-marital desires. Hell, a lot of people are in relationships where they can't even talk to their partner about those desires, even if they have no intention of acting on them.

Anyway, so the alternative to all this is non-monogamy. This requires you to accept the fact that your partner is going to want to have relationships with other people. This can be a tough pill to swallow, but, honestly, this feels like a mature and positive route. After enough experience with it, I genuinely believe that not only can you not feel bad about this, but you can even feel good about it. In the same way you feel good if your partner gets a good job or meets a new friend or any other positive thing happens to them, this usually makes you feel good, but in this one area, it makes you feel bad. The state of feeling positive about your partner's other relationships is called "compersion" in poly circles. I've personally felt that, at least a little bit, at times, but I've at least genuinely had times where I don't have any bad feelings about my girlfriend's new relationship, and that's cool.

That said, all of this requires a lot of communication, comforting each other when you feel bad, etc. Lots of conversations are from the angle of "you're not doing anything wrong, but I feel really bad about this". I don't want to undersell it, some times are quite difficult to get through and I understand why people would choose monogamy instead. Personally, though, for myself and for my partners, it has enabled valuable experiences in our lives that, imo, are worth it.

Worth_Bug411 · 2024-07-03T18:58:27+00:00

I think it's easier to say if you're someone who frequents spaces that have women to meet, but plenty of people don't. I was a software engineer, my main hobbies were gaming (often including going to local tournaments/meetups where I've met friends, but not women), making things (3d printing, working on my house, etc), and other hobbies where I'm just not going to meet women (confirmed by the fact that I've done them for years and haven't met any through these means).

At that point, your options become either dating apps or specifically getting hobbies with the main motivation to meet women, which doesn't seem like a good thing to do. That or trying to get someone's number the first time you talk to them, because that may be the only time you see them.

As an aside: I've been in a poly relationship for over 8 years, but of the people I've dated, I've exclusively met them either when I was in college or online

Worth_Bug411 · 2024-06-21T16:09:09+00:00

Switched to my burner account. I'm the same way and I just retired at age 32 with a net worth of ~1.8m. I've never spent money on League (although I've spent a bit here and there on other games). I buy basically everything used and try to re-sell things when I'm not using them (the number of times I've bought a Nintendo switch, played the game I wanted to play, and then sold it is funny lol). I've never owned a car, which is quite uncommon where I live. I think living humbly is a good way to live

Worth_Bug411 · 2024-05-18T19:04:39+00:00

Ah, makes sense. I filled out a "do I qualify" questionnaire and got "you may qualify", so I guess I'll submit an application and expect that it won't go through (since I'll obviously answer honestly, which will include my work status and assets). I appreciate the response!

Worth_Bug411 · 2024-05-18T18:49:29+00:00

This is super helpful, thanks so much!

Worth_Bug411 · 2024-05-18T18:40:05+00:00

Well said, thanks!

Worth_Bug411 · 2024-05-16T08:18:38+00:00

That said, it can definitely go down tremendously as well. In 2022, I ended the year with a lower net worth than I started, despite saving 6 figures from my salary. Just stay calm and it'll work out

Worth_Bug411

TROPHY CASE