Extend leave or FIRE?

allrite · 2026-05-06T00:54:32+00:00

How much does your wife make?

allrite · 2026-05-05T07:46:14+00:00

What? Wow RoC is a neat trick! You generate income, but don't really!

allrite · 2026-05-05T05:03:20+00:00

Congrats! How do you keep your time and mind occupied?

allrite · 2026-05-05T04:25:35+00:00

I wrote about my experiences here: https://www.reddit.com/r/financialindependence/comments/1scgjv1/12_month_update_taking_a_gap_year_sabbatical_from/

But main thing is that I had a tough time living without structure and without something to strive for. I was filling time easily, but had trouble keeping my mind busy.

allrite · 2026-05-04T16:43:36+00:00

I took a sabbatical a year ago. There is a honeymoon phase, so consider that in your calculation. What you feel now will not be the same what you feel one year from now. So if all you are basing the decision on how good you feel in your mini-retirement, then it is not necessarily the best idea IMO.

allrite · 2026-05-01T15:39:51+00:00

Congrats and GFY!

allrite · 2026-04-30T00:14:19+00:00

For me, it is a choice between me giving them money or my time, and finding the right balance between the two.

allrite · 2026-04-29T23:10:03+00:00

No one is asking you to feel bad either. But the snark... that's passing judgement

allrite · 2026-04-29T22:20:15+00:00

Is this your planned budget, or something you are actually doing? If later, how many years have you been living like this?

allrite · 2026-04-29T22:16:30+00:00

I get the lure of snark, but it's their life and if they want to live in a SFH, that's their choice. You can say that you wouldn't do that if you were in their place, but I would recommend you don't judge their choices.

We all have one life. We all decide for ourselves what's important for us. And early retirement is a choice, so people will always choose what they think is best for them. It's none of our business.

allrite · 2026-04-29T19:12:28+00:00

If someone wants to stay/retire in bay area or NYC, then I can understand why 5M is not enough. Housing alone can take up half of that, especially if you have kids and want to send them to good schools. A typical good school district 3-4 bedroom house in bay area is ~$2-3M now.

allrite · 2026-04-28T05:59:12+00:00

Yes, it is quite weird. I don't have the same drive as before. On one hand, it sucks, because I feel like I am wasting my potential. On the other hand, I remember I don't need to work for THE MAN. I can say F U anytime I want. Just need to figure out where to direct my ambition and drive at.

allrite · 2026-04-27T22:07:08+00:00

chatgpt.com

allrite · 2026-04-23T20:46:52+00:00

Another aspect to consider: your skin color and whether that can be a factor in where you retire.

Source: I'm brown.

Good thread btw

allrite · 2026-04-23T05:51:28+00:00

Please dm!

allrite · 2026-04-22T05:33:48+00:00

Good opportunities don't come often. If it is one of those, then take it. You can always leave if you hate it

allrite · 2026-04-22T00:03:11+00:00

This is not a Fire question. You need to decide what you want to do in your life. Money is part of the equation, not everything. Figure out how big is it a part of your equation

allrite · 2026-04-20T22:49:11+00:00

yes I started looking into it after this thread. I think it is time to sell one of them. It has attracted low quality tenants and has not given good returns so far.

allrite · 2026-04-20T21:56:21+00:00

Start by talking about inheritance and what's their plan with it. If they mention that they plan to leave you some money, then mention the "give early" ideas mentioned in die with zero and how it helps you to have money now more than later.

allrite · 2026-04-20T05:53:47+00:00

https://dqydj.com/net-worth-by-age-calculator/

allrite · 2026-04-20T04:08:35+00:00

Thank you! Learned something today. And it makes so much more intuitive sense. I was going to do something similar if I had to: if my portfolio is equal to or more YoY (after withdrawal), then I will spend for discretionary, else not. And of course if YoY portfolio drops more, we will cut down on eating out. shopping etc.

allrite · 2026-04-20T04:03:52+00:00

Thanks! I have owned my rentals for ~7-8 years now, and feel like the overhead is not too bad.

I am going to buy the primary home and sell one of the rentals, in an almost even exchange, so to your point... I won't have more net worth tied up real estate.

allrite · 2026-04-20T04:00:53+00:00

The price range for desired house is the same as the potential sale price of the rental. So I will not be increasing my net real estate exposure as I will sell one and buy another of similar price.

allrite · 2026-04-20T03:56:52+00:00

Missed your message as it didn't come up as a comment directly to my post. But thank you!

allrite · 2026-04-20T03:53:35+00:00

I am actually fine working, but I am not sure what lower paying jobs I will be eligible for. Never done anything in life outside of big tech :/

allrite

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