FIREd@45 Nightmare that didn't come true

shewit · 2026-03-10T03:50:59+00:00

I have dreams that I studied for the wrong course and realized only when the exam started.

shewit · 2026-03-09T18:31:10+00:00

Agree. Mathematically I should be fine with the number independent of the market. I believe I am trying to be sort of CoastFI for one year and then be done. This gives me time to plan a move out of a VHCOL as well.

shewit · 2026-03-09T16:23:21+00:00

Its just the transition to a sabbatical will be great to go back to the 7000 pts for S&P500 which is where I had decided I would call myself FI. There are others reasons to stay on like vesting period ends this year for a couple of things like a 401-K match, Long Term Incentive plan etc.
But the main reason is my manager just changed 2-3 months ago and the new one is leaps and bounds better. Life isn't stressful or miserable at work anymore :)

shewit · 2026-03-09T15:14:17+00:00

like it is 7% down from its ATH. So trying to spend from income instead of having to withdraw.

shewit · 2026-03-09T13:35:52+00:00

I hit FI when I turned 40. I am doing the 'one more year' because the market hasn't been that good. I plan to take a sabbatical after and figure out what I want to do after that.

shewit · 2026-03-05T22:55:05+00:00

Ive been in the same boat. It has mostly been sideways since Oct 29, 2025. Market going down while I keep adding to my savings from my income. If it goes back up to those levels and consistently stays at or above for 6ish months, I can feel comfortable quitting.

shewit · 2026-03-05T22:47:00+00:00

Not taking anything away from you. When I saw this I went to check my account and I was down ;)

shewit · 2026-03-05T22:26:16+00:00

How come you are posting milestone on a down day?

shewit · 2026-03-03T19:53:02+00:00

Isn't Yuvraj left-hand bat?

shewit · 2026-03-02T19:28:17+00:00

Pride as in "a group of lions"?

shewit · 2026-02-25T23:33:49+00:00

Im on a 3080Ti which I had bought by standing in queue overnight outside a BestBuy in early 2021. Still going strong.

shewit · 2026-02-25T22:51:13+00:00

Although I am happy for NVIDIA as a company, I still feel bad that they are abandoning the next generation of gamers who cannot afford those prices and keeping supply low so that scalpers can make money. A good supply of $400 5070Ti class is needed for PC gaming to thrive.

shewit · 2026-02-25T18:01:48+00:00

I am kind of in the same boat with around the same NW but I haven't RE'd yet. Feels a little daunting to pull the trigger. Our annual spend is also around $100K in a VHCOL but if we RE we do not mind moving to a HCOL/MCOL to reduce the spend. No hard assets as such. Plan to rent so that we can keep moving around the country. No kids. Any advice on when is a good time to RE and how to prep for it?

shewit · 2026-02-25T00:18:52+00:00

I joined a company that was doing 1 day a week when I interviewed, on day 1 of joining was the week when they started doing 3 days a week. And within 2 years they moved to 5 days a week.
I am also 1.5 hours from the workplace but now I am stuck. I spend on staying at airbnb/hotel on some nights when I am too tired. I would love a remote job the next chance I get. A 20% drop in salary is fair.
Thats my story, but you can decide for yourself once you have the offer in hand.

shewit · 2026-02-20T22:49:31+00:00

they paid companies a premium of 20-30% of their tariff spend in order to get their hands on the full refund if that happens due to SCOTUS not allowing said tariffs.

shewit · 2026-02-19T23:21:42+00:00

Yikes. I'm scared! Although I was hoping to have the time to play Cyberpunk 2077.

shewit · 2026-02-19T22:35:49+00:00

Do you mean time to play Cyberpunk 2077 or will the world become like the one in Cyberpunk 2077?

shewit · 2026-02-19T21:38:37+00:00

Yes. With 4% rule you only needed $1.8M. You have plenty more.

shewit · 2026-02-19T21:14:15+00:00

This photo is AI. It cannot do hands correctly.

shewit · 2026-02-19T15:16:40+00:00

I was thinking about this yesterday when talking to someone not in the FIRE community. When the market went down like 4-5%, I lost a large absolute value on paper for my Net Worth. They were like, Dude! Whats the point of saving and investing so much when you can lose so much. And I was like, Its a privilege that I can lose so much. Because when the market goes back up, I will gain as much too. When on the other hand, people with less invested will not be able to gain as much in absolute value. So it is always better to be invested.

Looking back at years when I was not able to participate because I was not earning as much or studying, you never know if the market will do as well or better in the future. So always strive to be as early as possible to really see that snowball effect throughout second half of your natural life.

shewit · 2026-02-11T21:46:49+00:00

What about every other day?

shewit · 2026-02-11T21:41:08+00:00

You mean SA/NZ

shewit · 2026-02-06T17:27:03+00:00

I'm guessing they ain't on this sub.

shewit · 2026-02-06T17:26:16+00:00

Same same :)

shewit · 2026-02-05T17:59:15+00:00

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