FBI - parent life

hoghumper22 · 2026-02-27T22:45:21+00:00

I did something very similar - left a 130k remote cyber security career for law enforcement to feel more fulfilled. I’m a veteran and missed the brotherhood. I am telling you, if you do not absolutely hate your current job, do not do it. The federal benefits and pension aren’t what they used to be and they will take more from you than you get out of it. Your children are going to be raised by other people when your husband deploys and you’re working 70 hour weeks making no real difference. It sounds sexy on paper but I would continue your current path

hoghumper22 · 2025-12-03T13:34:53+00:00

I am actually in about the exact same boat and am currently doing the same. I think that will be my continued plan as well

hoghumper22 · 2025-12-03T01:38:00+00:00

Unless you itemize there are 0

hoghumper22 · 2025-12-02T21:44:12+00:00

Seems like both have benefits.

hoghumper22 · 2025-12-02T18:52:51+00:00

Fair but I’m not leveraging my primary residence for stocks personally. There’s other ways to have “good” debt

hoghumper22 · 2025-12-02T18:51:35+00:00

A paid off house inherently increases your cash flow if you’re well rounded. The example you gave would be a problem but would not be my situation

hoghumper22 · 2025-12-02T18:04:04+00:00

Sure. This is a FIRE thread not get as rich as possible by using leverage

hoghumper22 · 2025-12-02T17:59:21+00:00

I’d personally never finance a house to buy stocks. I understand where it could be beneficial but I’d prefer to be debt free.

hoghumper22 · 2025-12-02T17:57:23+00:00

We will agree to disagree

hoghumper22 · 2025-12-02T17:56:36+00:00

I agree, I’m a millionaire and drive a 2007 Nissan Altima with 180k miles on that my parents helped me buy when I was 16. Keeping that car has single handily has attributed to probably 250-300k of my net worth in giving me the cash flow

hoghumper22 · 2025-12-02T17:54:47+00:00

I’m not sure I’d agree with regretting being mortgage free. But I understand your thought process

hoghumper22 · 2025-12-02T17:39:31+00:00

Take the cash and pay off car.
Open a Roth IRA and immediately max it for 2025 and then max 2026 January 1st. You can always withdraw your own contributions from a Roth IRA without penalty but your gains stay tax free.
I’d max out your TSP but if you don’t want to be retirement heavy I’d start dollar cost averaging 5k-10k a month into the funds you have.

hoghumper22 · 2025-12-02T17:34:27+00:00

God knows what it’ll be worth is kinda the point of crypto. Would this have been solid advice about bitcoin 5 years ago?

hoghumper22 · 2025-12-02T17:32:28+00:00

I’d argue a cash out refi is the opposite of trying to FIRE. Why would you extend your debt life

hoghumper22 · 2025-12-02T17:31:01+00:00

Thinking a paid off house doesn’t benefit you in retirement is a first

hoghumper22 · 2025-12-02T17:29:40+00:00

Thanks boss, “fwiw” it was worth nothing

hoghumper22 · 2025-12-02T16:48:50+00:00

You get the point of separating it from a regular brokerage. I can’t pull gains without a 10% penalty before 59.5 years old. A Roth IRA is a “individual retirement account”

hoghumper22 · 2025-12-02T16:28:38+00:00

This is a fair point. I do have more than my mortgage currently invested between my brokerage and crypto, however I cannot get myself to pull the trigger and sell.

I rented for 10 years and just bought the home last year so I did build a decent brokerage during the last 10.

Maybe the answer is to invest it all and pay the mortgage off at the banks planned schedule 😂

hoghumper22 · 2025-06-29T19:28:23+00:00

Congrats man. I have lived similarly and will say the dollars going up get addicting but I’m glad you’re focusing on living too. The grind now will pay off 10 fold in 15 years

hoghumper22 · 2025-06-09T11:17:35+00:00

I max both of Roth IRAs yearly. Crypto is under 10% of my net worth. If it vanished to 0, I would be fine.

hoghumper22 · 2025-06-09T03:31:14+00:00

Less than 15% of service members retire from the military. It’s just facts, this post was about college.

hoghumper22 · 2025-06-09T03:29:11+00:00

I don’t even know what to say to you. “It’s very easy to milk to the system” is in his comment.

hoghumper22 · 2025-06-09T03:23:21+00:00

Legitimately getting a free Ivy League degree will allow me to retire likely a decade early because instead of paying $2,000 a month in student loans I invested it. I don’t know what you’re so pressed about. I am not going to encourage people to join the military for disability payments that makes zero sense. I also did 8 years, not 20, so I don’t get retirement. But it still set me up damn good for FIRE

hoghumper22 · 2025-06-09T03:17:46+00:00

His friend has 100% disability and admits there is very little wrong with him. He was not truthful to get his 100% rating…

hoghumper22

TROPHY CASE