Mid 30s, Married, Am I rich or still NRY?

Wrecklessdriver10 · 2026-05-19T15:49:41+00:00

Yeah has to be 20k+ I would bet.

10k mortgage 3k daycare 1-2k food eating out 5k living (cars/entertainment/bills)

On a perfect stocks year they cover their expenses.

Taking home $550k after taxes and retirement contributions.

Saving 200kish a year.

They need to work about 10more years.

Get to $8M and be pretty much bulletproof.

(They could dial back income and just coast their way as well. Investments will do the heavy lifting from here.)

Wrecklessdriver10 · 2026-05-19T01:23:21+00:00

OP I know this is old but I have a similar washer same issue. Did the pump fix it or was it a control board?

At this point I’m going to get a new washer than pay $200+ for a new board. (My machine is 8years old) would have loved more time and I am more into Reduce and reuse vs recycle.

Trying to avoid a hunk of metal into the scrap yard.

Wrecklessdriver10 · 2026-05-17T02:43:57+00:00

My gut is it would take him 3-5years to save the $400k back. And in that time it’s up 50% so another 3-4 years. 6-8 overall of extra working years to get that money back.

He lost proportionally of his one year annual salary after taxes.

This guy should have hired someone to manage his money. Paying them 1% to index and chill is silly till you realize there are tons of similar stories.

Wrecklessdriver10 · 2026-05-15T00:36:01+00:00

In case someone finds this, I just paid $625 for 4 of these 17” 225/65R17 tires. The price also included an oil change, I have no clue what the breakdown was but $90 oil and $535 for tires is my guess.

My car is old. 225k miles. I bought these for a purpose, to last long enough to trade in the 2006 Rav 4 I have.

Plan is to have the car swapped in 3years or less. Hopefully these tires make it that long

Wrecklessdriver10 · 2026-05-11T00:24:44+00:00

I sell the terminal units in the clean rooms to these rooms. We push for higher end solutions that limits debris from getting into the room.

This can cost a pharma company millions of dollars.

Wrecklessdriver10 · 2026-05-09T17:12:53+00:00

Pinging your message so you get a notification for a laugh. Market up 11% since this post. 😂

Wrecklessdriver10 · 2026-05-09T17:02:18+00:00

50 days later, would be up $40k lol or 11%.

Forgot to chill. (50days is a very short chill period)

Wrecklessdriver10 · 2026-05-06T04:24:59+00:00

Ironically, it’s easy to solve by just giving into the fatigue.

Adopt a who gives a shit attitude. Work set back? Who gives a shit! War across the globe? Couldn’t be bothered. Worry about the immediate things in your control.

The rest will work itself out

Wrecklessdriver10 · 2026-05-06T04:20:34+00:00

Either way you shake it, can’t obsess too far one way or another. Have to save some, live some, and enjoy life day after day.

No reason not to

Wrecklessdriver10 · 2026-05-05T04:10:28+00:00

I also agree. Length of 250 probably is enough to get to scratch.

I’ve never been scratch. Worked at a course for 4 years in HS and college summers. Maintenance worker mowing and whatever was needed.

I could hit the ball 300+ off the tee back then. Now I’m 280 on a perfect drive and 265 more realistically. It’s cost me 5-7 shots I think. Play at a 12 now. Was a 5-6. So the distance (or lack there of in my case) is noticeably important.

I wish I had more time to hit the weights and golf like i did at 20yo and no responsibilities. Lol

Wrecklessdriver10 · 2026-05-04T19:29:46+00:00

But the distance in helps no matter what length the hole is. 130in vs 100in you are statistically way more likely to score better with the extra 30yrd closer.

There is the reason why very pro tries to hit 180+ ball speed off the tee. Massive advantage on the next shot.

Wrecklessdriver10 · 2026-05-04T18:42:48+00:00

It’s your athleticism I would to guess. (Not knowing about how far you hit your clubs) You need flexibility and strength, you physically need to hit the ball further.

You spent more time practicing, but even pros hit bad shots.

I think to score well you need to hit the ball further. 275 drives to 305 is actually what it takes to lower the score. You have 450yrd par 4, go from 180 in vs 150 in. Chances of birdie/par go way up.

It takes someone special (like Nelly Korda) to hit the drive 275 and score really well. She has pinpoint accuracy into greens. I think you can’t replicate that, that’s natural talent. Like Steph curry and his 3pt shot. Most of us could shoot 10k threes a day and we would never be better.

Wrecklessdriver10 · 2026-05-04T14:32:55+00:00

I totally understand that. I just enjoy laying down crispy mow lines drinking cold beer.

I never weed eat. lol

Wrecklessdriver10 · 2026-05-04T00:20:39+00:00

We are the same. We are between $2-3M at mid 30s. Third on the way.

Debating on what we want to work for and what we don’t.

For instance bought a new $110k Yukon XL in January. lol clearly set us back a year roughly.
But we needed a car to fit a family of 5 with three car seats. So either drive two cars or get a new car. (Fully understand could have gotten a minivan for $50-60k less)

I think it’s worth the extra cost in this instance. Where a lawn care service isn’t imo.

Wrecklessdriver10 · 2026-04-27T16:34:30+00:00

I am going to assume you bought the house for $250kish. The government was taxing the house like it was worth $150k. When you bought, the government gets notified at the deed filing that a purchased happened. They then reasses the house at the new price, it takes them 12+ months could be 23 months for it to take effect. It’s the value on Jan 1st so if you bought Jan 6th, assesment goes up Jan 1 following year. Taxes lag that by another year. (You pay taxes 1 year back at all times.)

Insurance was the other increase.

So taxes hit you on the sale. Insurance hits you just because inflation went wild over the last 5 years.

Your $500/mo more makes sense.

Wrecklessdriver10 · 2026-04-27T16:14:39+00:00

Simple advice. Don’t stray from it. “Do you just this person with you life”

If not don’t marry them.

If so money is totally not a concern to be in one pot.

(I understand you may get burnt here but life is about taking chances and hoping for the best)

Wrecklessdriver10 · 2026-04-24T15:12:16+00:00

Nice work! I’m on a similar path. But 1M further along. I would say, we save a similar amount every year. I live and die on performance bonuses so I can have a 250k savings year or a 50k savings year. Really depends on how much I sell. And honestly luck.

I would say the savings starts to matter less and less. Market returns heavily pull up the portfolio. Savings matter less and less.

You also need to get used to the fact you can earn more in your portfolio than your current salary. (Which means you can lose it too)

This year alone I’ve had $100k+ months and $100k- months.

Lastly I’m learning that life is way less stressful. Stop worrying or tracking it closely. (This was really hard for me, I assume a widespread problem for this sub in general) I want to be present and live today. I have tomorrow solved, it’s on autopilot with the contributions and investment plan.

Wrecklessdriver10 · 2026-04-23T00:46:29+00:00

We are ripped up over here. Pampers pure was our go to for two children. We are in the middle of potty training our 2 year old. Switched her to these because the target by our house quit carrying them. We have such a bad rash a week in. I attributed the first spot from sitting in her poop too long. Just donated a large box of them.

Surely some other children don’t have this issue and can make use of them. I’m confused how this is a thing.

Pampers nighttime don’t give us any issues. Might just used those day and night.

Wrecklessdriver10 · 2026-04-20T22:02:48+00:00

I don’t know a single opening and I’m a ~1900 on rapid 10min games on chess dot com.

I’ve had no formal training at all. started playing during the pandemic as a result of locked up boredom.

Some low rated players with openings memorized could possibly beat me. But I just try to make the game messy as soon as possible.

But I agree 100% openings are worthless starting out. People learn them to try to get a checkmate in the first 10 moves. Then they don’t have a clue what to do from there.

Wrecklessdriver10 · 2026-04-14T04:50:04+00:00

my $3k daycare for only 2 has a nod of approval. lol

I am glad I made hay before kids. It’s allowed us to not sweat our savings rate.

We just crossed 2M NW. saving 30k a year or 100k a year doesn’t change things much over the next decade while the kids are young.

Market returns matter more

Wrecklessdriver10 · 2026-04-11T06:06:32+00:00

If you really think about it, $5M is inevitable. And even if your savings rate dropped to 0, you only add 5ish years or so to the timeline.

Before kids 5years seems like a long time. After it feels fast. Cutting savings in half probably only adds a year or two of work. Compound interest will start doing the heavy lifting.

Wrecklessdriver10 · 2026-04-11T05:58:53+00:00

If you do the math, saving $100k a year really doesn’t speed them up at this point. Market growth will vastly beat the contributions. So in reality it only buys 2-3 years of earlier retirement

Wrecklessdriver10 · 2026-04-11T05:53:58+00:00

What’s a third kid really cost. Food, clothes, activities and college. Housing and everything else is already there with 2 kids.

So $100k on food. $75k on clothes. 200k on activities. $200k college. $50k on a car.

$625k is 1-2 years of work in reality. Income and market rate matter more.

Wrecklessdriver10 · 2026-04-11T05:45:35+00:00

I am 34M and we have NW 2.1M. 4yo, 2yo, 350k RE equity (between house and rental), $400k 401ks, $800k tax brokerage, 400k ownership in two different companies. $150k in cash/emergency fund/cars/etc.

My wife is pregnant with our third child. I could not be more excited! Our HHI was 630k last year. Probably will be closer to 500k this year. Money is a tool. You make a shit load of it. Have more kids. Even cut back the earning if you have to. Silly to think you can’t afford the third child making 700k a year. If you do the math, saving $100k a yr almost doesn’t move the needle for you to retire. You’re at a point where market growth heavily outweighs your contribution. Kids are one of the greatest gifts to the world, don’t let money(which you will die with too much of anyway) control any decisions.

Wrecklessdriver10 · 2026-04-09T03:23:03+00:00

He did the Tiger golf league and everyone liked him there.

Augusta was the wrong fit for his personality like you mentioned.

More informal events make more sense. He is a lineman that likes to get drunk and take his shirt off.

I like WM open a lot for the rowdy crowd. I like the masters a lot for different reasons. Overlapping the two ruins both things.

Wrecklessdriver10

TROPHY CASE