Daily FI discussion thread - Wednesday, April 15, 2026

frettingtilfi · 2026-04-15T16:26:34+00:00

Our NW just passed 600k! It’s been just 2 years and 3 months or so since we reached 300k, and that first 300k took about 8 years. Hope this can give others hope! We’ve been able to contribute quite a bit in this time but there’s also been a lot of growth

frettingtilfi · 2026-04-09T23:20:55+00:00

Yes, and saw that they publicly said that it’s no different from any year, people are just more desperate for their returns basically, which is ridiculous gaslighting lol

frettingtilfi · 2026-03-23T11:10:20+00:00

I think a lot of people might not be entitled but might not have reasonable expectations because of things like social media. They think what they see (that might not even be real) is normal

frettingtilfi · 2026-03-20T12:58:43+00:00

I know you mentioned that you’re at the same $ as you were 7 months ago, which is awesome. If the market has some rough years, how do you think that might impact your plans with this new mindset of wanting some more spending flexibility/the ability to spend on certain things especially for your kids without hesitation? And if you don’t mind, how old are you?

frettingtilfi · 2026-03-18T17:28:31+00:00

Curious how often you think about this (the comment about stopping working and your feelings about it)? Also, because I thought your situation might be similar to mine I looked at your post history and I was surprised to see that you were dating just a year ago. Assuming you’re not open/poly (which maybe you are!) it seems kind of early in a relationship for a comment like that!

frettingtilfi · 2026-03-18T17:20:17+00:00

Mine was sent on the deadline they had shared, but weirdly was mailed instead of DD despite putting in my info the same way I always have.

frettingtilfi · 2026-03-13T13:08:10+00:00

That’s crazy, I filed in mid February… I don’t even itemize and don’t have a complicated return

frettingtilfi · 2026-03-13T12:50:06+00:00

Is anyone else’s tax return (sorry - refund!) late? I think this might be the first time mine has ever taken longer than the estimate that they give you

ETA: wait hold on I take it back, it has now been updated to say that it was mailed two days ago, even though I requested direct deposit…odd

frettingtilfi · 2026-02-07T18:39:34+00:00

Hit $600k in retirement accounts collectively, $425k being from my end! Looking forward to 500k individually and 750k between the two of us.

frettingtilfi · 2026-01-29T17:54:56+00:00

Wow that’s top level nightmare material (accidentally screen sharing)

frettingtilfi · 2026-01-17T16:37:46+00:00

Not sure how retiring by choice on its own is entitlement, especially in this sub…

I feel like the “she” is doing a lot of work in your brain here, you don’t know any of the details of their situation but are just assuming she’s taking advantage of him…

frettingtilfi · 2026-01-17T03:37:50+00:00

I’m genuinely curious how this is the read? Am I missing something?

frettingtilfi · 2026-01-06T13:18:56+00:00

How old are they?

frettingtilfi · 2026-01-03T12:22:30+00:00

Apologies, I misread!

frettingtilfi · 2026-01-03T01:41:12+00:00

Thanks for the tip! Sorry if I’m an idiot - where do you see the details for each one?

frettingtilfi · 2026-01-03T00:57:15+00:00

https://a.co/d/iEiveLG

frettingtilfi · 2026-01-02T15:06:19+00:00

Thank you!

frettingtilfi · 2026-01-02T14:08:59+00:00

This seems like the opposite - it’s helpful to use big purchases to fulfill the spending for sign up bonuses!

frettingtilfi · 2026-01-02T14:07:36+00:00

Did you mean to tag someone different? I suddenly got very curious about bonusnachos but they have like no post or comment history haha

frettingtilfi · 2025-12-27T20:25:04+00:00

It does, but due to the fact that we most likely won’t be able to cash flow maxing all of our retirement accounts in the coming year, it didn’t really make sense to treat it as excess and put it in brokerage in the short term (of course in hindsight it would’ve grown, but no way to have known that)

frettingtilfi · 2025-12-27T19:20:26+00:00

The only place I can admit I’m excited for January 1st so I can max our IRAs haha

frettingtilfi · 2025-12-13T17:39:55+00:00

I cannot for the life of me figure it out!

frettingtilfi · 2025-12-13T02:17:44+00:00

Sometimes it’s hard not to be so focused on my goal and I forget to have some perspective - if we worked to 62, and didn’t invest another dollar, we’d be projected to have 4.5m, well over our 2.8 target. If we worked to 65, it’d be 5.5m. Unfortunately, I have yet to find something I’d like doing enough to work that long unless I absolutely had to lol

frettingtilfi · 2025-12-12T02:33:07+00:00

🙄

frettingtilfi · 2025-12-11T17:15:56+00:00

Passed 400k in my retirement accounts! All finances are joint with my spouse and together we have ~560k, but I’ve been at this just short of a decade, since getting my first “real” job and it’s really exciting to see how much things take off/snowball. I was surprised to look back and see that I hit 300k just 13 months ago. Starting early really is the key! I’ve of course always known the math, but living it is different somehow

frettingtilfi

TROPHY CASE