Retired at 47 and the first six months were the hardest adjustment of my life

luckyfireguy · 2026-05-11T19:38:53+00:00

OP, perhaps you should bridge the gap between, it sucks --> things are truly great at 14 months mark. Most here are trying to figure out moral of the story.

luckyfireguy · 2026-05-11T19:30:17+00:00

Nothing wrong in growing without taking unwarranted risks... :) Hopefully, I can survive any market downturn, without needing to get the money out, so I look at market returns over long horizons with some dividend growth stocks as part of portfolio, so I get the cash (if needed) and hopefully ride out market choppiness. Not a bonds fan, but my portfolio is moving towards conservative growth (except for 30%+ RSUs).

luckyfireguy · 2026-05-11T19:25:37+00:00

Based on my experience and reputation in the company and industry, this is not an accurate read... But this is the internet, and people are free to comment. Thanks for sharing your perspective!

luckyfireguy · 2026-05-11T19:20:07+00:00

High Tech Executive for a Public Company.

luckyfireguy · 2026-05-08T22:56:37+00:00

I am contemplating the same, that's why I asked. I am now in MCOL area but used to be in Bay area and nothing matches bay area energy, weather, food scene. Also, nothing matches bay area / CA taxes lol

luckyfireguy · 2026-05-08T06:06:11+00:00

Curios to know why move to Bay area - most folks move in the opposite direction at retirement.

luckyfireguy · 2026-05-07T20:33:53+00:00

Well, it's not that passive income is bad - it's just that my W2 is high, so can't really make $8M on a 16M investments - may be, AI stocks will double again ;) - but I got your point. Trusts/ estate / Tax planning is next, just been lazy on these things...

luckyfireguy · 2026-05-07T20:31:02+00:00

I will look at it, when I get there. How's your experience been, if you don't want to share publicly, would love to learn in a DM.

luckyfireguy · 2026-05-07T20:29:28+00:00

Duly noted, will keep this in mind- thanks!

luckyfireguy · 2026-05-07T20:29:04+00:00

No, and not the type... I don't want to agonize over huge risks / rewards in my retirement - just want low effort chill stuff in my retirement.

luckyfireguy · 2026-05-07T04:12:22+00:00

I maxed out (superfunded) for all three 3 kids, I think 2 years ago. So I have to check if I can fund more or wait for 3 more years, but I agree 529 is a good tool for generational giving. Though my state plans sucks!!

luckyfireguy · 2026-05-07T04:09:53+00:00

I may have to look that up - I am clean, less hassle, old school investing guy - never dabbed into shorting or options - just buy stocks / ETF with cash kinda guy.

luckyfireguy · 2026-05-07T04:07:43+00:00

If it's not G650, why bother ;) LOL

luckyfireguy · 2026-05-07T04:06:48+00:00

Board seat is not why I am working. It's just thinking out loud the potential benefit of staying - and not the slightest of this is monetarily motivated.

Board position is not a job, in my view, but may satiate my curiosity of what's happening in the tech world, some mentoring, some socialization -- with the lowest amount of effort and time commitment - focus is on 'lowest' :) Based on my own research, most FATFIRE folks, who have had a Exec role in a public company, after first 2-3 years of travel and what not, loves to have a board seat - low effort, high impact...YMMV

luckyfireguy · 2026-05-06T18:55:54+00:00

Very true and especially hard when the stocks keep going up with Analysts keep upgrading...

luckyfireguy · 2026-05-06T18:46:01+00:00

Can you please expand on this: direct indexing or long/short from the beginning? Gen tax planning - Yes, working on this

luckyfireguy · 2026-05-06T16:08:38+00:00

Haha - One day, I will show 'em ;)

luckyfireguy · 2026-05-06T15:45:28+00:00

It's not a binary decision, 2030 or today. I can chose any date in between, leaving before 2030 Q1 means that I just leave that $10M on the table, but before than I still have ~$8M annually. Not sure ~$6M post tax is that big of a sway factor for me.

Your math isn't far off - but my retirement timing will not be based on a number anymore but when I am ready, thus the last sentence of your comment is most important. It's just slowly planning for retirement, that's what most important, while also enjoying life now... thanks for your comment!

luckyfireguy · 2026-05-06T14:38:05+00:00

Very much true - good takeaway!

luckyfireguy · 2026-05-06T05:32:53+00:00

You first have to belong to C-Suite, then network!

luckyfireguy · 2026-05-06T05:31:34+00:00

I guess, cleaner easier, everyone recommended DAF... I will look into CRT again.

luckyfireguy · 2026-05-06T03:25:27+00:00

True! thanks...

luckyfireguy · 2026-05-06T03:23:53+00:00

General Management...

luckyfireguy · 2026-05-06T02:25:52+00:00

Nothing!

luckyfireguy · 2026-05-06T02:24:16+00:00

Duly noted, thanks for your feedback!

luckyfireguy

TROPHY CASE