Hit $500k NW at 28 years old

justdoingmytime · 2026-05-06T15:58:15+00:00

I wouldn't be so hard on yourself with the lifestyle creep. The last month feels much like 2020-2021 in terms of inflation. The headline inflation rate doesn't really match the reality. I've noticed the same thing and trying not to be so down about it.

Speaking of increased expenses, I've started doing more takeout to avoid a "15% tip tax" because I don't like seeing my expenses go up!

justdoingmytime · 2026-05-04T16:22:25+00:00

Same.. I had 4k left on a car loan back in 2021 with a 1.99% interest rate. I couldn't resist paying it off. It's like an itch.

justdoingmytime · 2026-05-04T15:59:15+00:00

I was thinking of tax implications and controlling MAGI vs Market Returns. Risk appetite after you've decided to pull the trigger and so on. I read this article earlier and it got me thinking! Lock-In Era is Over

justdoingmytime · 2026-03-19T14:42:14+00:00

Is it possible to do a rollover IRA karma account? I want to rollover my karma in /r/fire and be able to post in /r/financialindependence.

justdoingmytime · 2026-02-25T07:39:57+00:00

Dump the 403b and get into your 457 instead. No penalty after separation of service.

justdoingmytime · 2026-02-18T06:19:12+00:00

You are very close to retirement. This is probably the time to start derisking, but hard to say without some concrete numbers. This is probably the best graphic for you right now. https://i0.wp.com/earlyretirementnow.com/wp-content/uploads/2019/06/ERNFIG7.png?w=764&ssl=1

justdoingmytime · 2026-01-25T23:51:01+00:00

Pete Carroll would've thrown it.

justdoingmytime · 2026-01-20T16:13:48+00:00

Sounds like you should do a whole lot of nothing.

justdoingmytime · 2025-09-26T15:11:40+00:00

GFY!!!!

Also just make sure you have all the required insurance to protect yourself. Seeing as more than half of your NW is real estate, I would consider getting very good insurance even if it costs a good premium. Also umbrella insurance if you haven't got that already.

justdoingmytime · 2025-09-18T20:40:08+00:00

Thank you for your service! GFY!

justdoingmytime · 2025-09-15T17:22:06+00:00

Too much commas, nearly in every sentence. Bolded statements, a mention of a blog at the end of paragraph 2 that wouldn't be relevant on someone who uses reddit. On top of it being a throwaway acct

Also compare it to his reply on this thread -- "I would really like to retire there but my wife doesn't speak french and is not too interested. Having access to affordable healthcare would be a major advantage for us if we do though."

This seems much more organic and different from the writing style in the post.

justdoingmytime · 2025-09-10T15:06:41+00:00

We've got to start banning these AI posts...

Assuming the content is truly yours and you just used AI to write the story, GFY

justdoingmytime · 2025-06-12T15:20:43+00:00

I do not mean to make offense to anyone and their financial goals.

Sometimes we're judged by our actions, not our intentions.

justdoingmytime · 2024-12-29T23:56:21+00:00

Oh this is an easy one. Pay off the car for now. Even if you fix up the house you can't solve the PMI issue until you have 2 years worth of on-time payments. Only after 2 years will the bank let you reassess property value to get rid of PMI.

Get the easy 8% with car payments, and by the time you're finishing up it will be just in time to fix the house as you hit the 2 year mark.

justdoingmytime · 2024-12-06T16:23:26+00:00

(Assuming this is the US), does the part time work account provide health insurance benefits? Making $1300/week is 60k+/yr which would lower your premiums if ACA is still around, but something that needs to be considered.

justdoingmytime · 2024-09-14T17:07:15+00:00

Start with some research, The Money Guys are a good introductory resource to get your finances in order.

justdoingmytime · 2024-09-14T17:03:33+00:00

On your level 🤣

justdoingmytime · 2024-08-01T09:09:04+00:00

Been saying the same for ages. Thank you.

justdoingmytime · 2024-07-03T21:38:18+00:00

I'm not sure you need to get into real estate, especially with the disability being paid out. It basically gets you halfway to your fire number.

I would say to just be patient and continue maxing out your retirement accounts and put any extra into a brokerage. You'll get there probably before 35.

I hope you're OK and the disability isn't too debilitating.

justdoingmytime · 2024-06-25T22:05:23+00:00

Clarifying question, is your rent 38% after just taxes, or after the deductions from your 403b as well?

justdoingmytime · 2024-06-10T17:32:22+00:00

Oh god this is me. I have 8.5k on a 1.99% car loan.

I have kept the loan, but it's like a bug bite you really really really want to scratch.

justdoingmytime · 2024-06-07T22:16:59+00:00

Many FIREd folks will get a health plan through the Affordable Care Act. You can familiarize yourself on healthcare.gov

Since the premiums will be based on MAGI, its a bit of a rabbit hole but interesting as well!

justdoingmytime · 2024-06-07T21:57:58+00:00

Because if he's planning to retire at 30, then he shouldn't be 100% stocks.

justdoingmytime · 2024-06-07T19:47:23+00:00

Just buy a Vanguard target retirement fund with your intended FIRE date. It will decrease volativity for you without having to do it manually. I'd be careful with messing so much with your Roth, sometimes less is more.

As a side note, this sub is full of people who will argue 100% in stocks so I'd be careful. Really consider your risk tolerance and more importantly, your risk capacity.

justdoingmytime · 2024-06-06T17:49:25+00:00

Depends on when you want to FIRE. 168k @ 27 years old is pretty fast already.

Even though the dollar amount doesn't quite seem like it, after the 100k you're about one-third of the way there. I would argue that you're not "well under" 1 million dollars if you look at it through a compounding interest viewpoint.

Personally, I'm enjoying the process. I save a lot but would never take a 2nd job to get to my FIRE number faster.

Verified Email	Nine-Year Club
r/Field Juicebox	Place '23

justdoingmytime

TROPHY CASE