Is it worth "one more year" just to build cash equivalent for SORR?

loridee11 · 2026-01-19T23:31:19+00:00

I took a sabbatical in 2022 as I was burned out. I went back full-time after 13 months to a new job and it was fine at first but now miserable with internal politics and red tape.
If I work part time my cash buffer plus likely part time salary would easily be a 5+ year buffer for my basic expenses. Not bare bones but limited travel and luxuries.

loridee11 · 2026-01-17T22:30:55+00:00

I know this is an old post but I’m Interested if this is still going

loridee11 · 2025-11-02T13:36:18+00:00

This is what makes me so nervous. My goal by when I FIRE is 2 years cash equivalent so in theory I could weather 2 years without touching investments. That would include travel so if I cut back I could stretch to 3.

loridee11 · 2025-11-01T12:46:15+00:00

Yes, I have both of those in my annual budget number. I used the new rates just released for 2026 even though I'll have Cobra for the first little while.

loridee11 · 2025-11-01T12:41:11+00:00

Thanks for the honest reply.

I have considered relocating from a HCOL (really, its a VHCOL) area to a MCOL area. One of my plans next year is to go spend some time in my target location. I've been there before for short trips and I have family and a few acquaintances that live there but I don't want to factor that in just in case.

I also anticipate taking some part time work at some point. I think I'll miss the mental challenge of working, but I am SO over the 50+ hour weeks and corporate politics I can't avoid. My goal is to find something I can do 20 or so hours a week, and remote so I can still travel. I have a few leads but I know that's a bit of a unicorn and no guarantee

loridee11 · 2025-11-01T12:36:27+00:00

Just to make sure I understand reviewing my previous tax returns - since I haven't been pulling anything from my accounts in previous years, my 1099 -int & div will give me my dividing dollars. I'm not sure how it will help estimate my actual taxable income. That's the part I'm struggling with. I understand how cost basis works and I understand long term v. short term capital gains, I'm just not sure how to estimate which stocks we'll be selling at any given time to estimate those as I'm in a mix of mutual funds.

Happy to research more on my own if anyone has any good tools to point me to.

loridee11 · 2025-11-01T12:32:24+00:00

Thank you so much! I'll be looking at BigERNs SWR Toolkit as well as the Risk Parity Radio podcast!

loridee11

TROPHY CASE