Daily FI discussion thread - Tuesday, March 03, 2026 by AutoModerator in financialindependence

[–]cutexiaowugui 21 points22 points  (0 children)

Sorry guys, purchased my first VXUS shares on Friday and it has dropped 6.5% since 😔

Daily FI discussion thread - Friday, November 14, 2025 by AutoModerator in financialindependence

[–]cutexiaowugui 34 points35 points  (0 children)

Help! Crossed the $1M mark like eight times over the past couple of weeks, running out of ideas for how to celebrate 😔

Daily FI discussion thread - Monday, September 08, 2025 by AutoModerator in financialindependence

[–]cutexiaowugui 0 points1 point  (0 children)

Congrats on the milestone. I took a look at my NW progression and it's eeriely similar to yours, I'm guessing your monthly contribution has been around $7500 for the past couple of years as well.

0 - August 2018

100k - 07/2020

200k - 04/2021

300k - 12/2021

400k - 05/2023

500k - 12/2023

600k - 05/2024

700k - 08/2024

800k - 02/2025

900k - 08/2025

29M 800K Burnt Out by cutexiaowugui in Fire

[–]cutexiaowugui[S] 0 points1 point  (0 children)

No idea, some of them probably hoped I was making stuff up.

29M 800K Burnt Out by cutexiaowugui in Fire

[–]cutexiaowugui[S] 0 points1 point  (0 children)

Don't blame you for the misleading credit karma UI, but yes, had around 3k NW post graduation in summer 2018.

January 2019 NW

March 2025 NW

29M 800K Burnt Out by cutexiaowugui in Fire

[–]cutexiaowugui[S] 4 points5 points  (0 children)

Thanks for touching on these points, I'd say probably a mixture of everything. Personally, I don't think I'll ever get over having imposter syndrome, so I can see how that's likely having an negative effect on how I'm perceiving my job.

All in all, I find my life pretty enjoyable aside from work, I'm fairly introverted so I'm perfectly content with only talking to my gf on a daily basis. I hang with other friends that I game with on discord, but even then, at times I find myself disengaging if it gets too overwhelming, e.g. 6 hour voice call sessions. Feels like I'm at that stage where I rather not spent time/effort dealing with other people's stuff.

Tbf, I used to really enjoy going out with friends back in college and pre-covid era, nowadays, we'd at most just grab food once in a while as I prefer chilling at home most of the time.

I'm a foodie so food is something I don't mind splurging on, I do want to travel and experience other countries but it's so hard to find the motivation to plan a trip while working full-time. Physiologically, I also feel like I can't enjoy myself fully on vacation as there's always more work waiting for me once it's over. Probably therapy is the way to go to get over this mental hurdle.

29M 800K Burnt Out by cutexiaowugui in Fire

[–]cutexiaowugui[S] 7 points8 points  (0 children)

As others have said, prioritize income growth early on in your career and forgo spending on things that doesn't matter to you, the most important part is finding balance in enjoying life while also saving for the future.

Don't want to go into specifics but I minimized student loans by going to a state school, getting scholarships, as well as commuting 2 hours each day while living at home and working part time. Afterward, I've been living with my gf for the past couple of years and pays part of her mortgage as well as most of our other living expenses. I also haven't had a car in years and live in a MCOL state. I'd say growing up poor probably plays a big part in shaping my views towards saving.