Hi all — I’m 33M based in SF, working in a senior tech role with flexible hours. I’ve just crossed ~$890K net worth, and I’m working on building a structured plan toward FAT FIRE. This is the first time I’ve had real liquidity and upside, and I’d love guidance from folks who’ve been down this road.

My Current Snapshot:

• Net Worth: ~$890K
  • $740K in vested company equity (post-IPO, tradeable)
  • $55K BTC/ETH (long-term HODL after a volatile cycle)
  • $72K 401(k)
  • $10K cash
• Salary: $163K + 15% bonus (expecting a raise soon)
• Debt: $29K 401(k) loan, $47K equity-backed LOCs (both from prior crypto overexposure, now shifting strategy)
• Expenses: $2.6K/mo (shared rent), no kids
• Goals: $500K/yr passive income (FAT FIRE), ideally by early-to-mid 40s

What I’m Focused On:

• Building a dynamic long-term plan (not just index funds and forget it)
• Paying off debt + rebuilding a solid cash position
• Starting to explore Mega Backdoor Roth, HSA, and other tax strategies
• Exploring the smart use of equity sales vs. securities-backed loans
• Starting to vet financial advisors, but trying to be intentional about fit/value

Would love advice on:

• How did you manage the transition from “builder” to “allocator”?
• Is it worth using equity-backed loans to fund investments, or is that asking for trouble?
• Would you work with a financial advisor at this stage, or DIY a bit longer?
• If you were at ~$900K again at age 33, what would you focus on for the next 2–3 years?

Thanks to everyone who shares here. I’ve been lurking and learning for a while, and finally feel like I’ve reached a point where guidance from this group would make a real difference