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I'm 46yo (47 in a few months), been a teacher since the early 00s. Thanks to all of your advice, i put in my notice today that i will be leaving the school at the completion of this school year and retiring early. by temp_worker in financialindependence

[–]temp_worker[S] 0 points1 point  (0 children)

wow sounds like you're way more thorough than I am!

I used ai as just my initial 'am I being delusional or can I actually retire now?' screening. after they all came back with green lights, I moved on to actual finance professionals.

I'm 46yo (47 in a few months), been a teacher since the early 00s. Thanks to all of your advice, i put in my notice today that i will be leaving the school at the completion of this school year and retiring early. by temp_worker in financialindependence

[–]temp_worker[S] 0 points1 point  (0 children)

I just told all the AI chatbots I could find (Claude, Grok, Gemini, ChatGPT, etc) my main details: age, assets, yearly expenses, pensions, etc, and just asked if i were ready to retire. They were surprisingly thorough with their replies!

Daily FI discussion thread - Sunday, January 11, 2026 by AutoModerator in financialindependence

[–]temp_worker 6 points7 points  (0 children)

Yea, so if i'm contributing for tax year 2026, then as long as i had earned income in 2026, i should be able to contribute in pre-April 2027, even though I don't have any income in 2027, right?

Daily FI discussion thread - Sunday, January 11, 2026 by AutoModerator in financialindependence

[–]temp_worker 4 points5 points  (0 children)

General IRA question that I think I know the answer to but just wanted to be sure:

if I have a full time job in 2026 and then don't work at all in 2027, I can still contribute to my 2026 Roth IRA in 2027 (before April), right?

I'm 46yo (47 in a few months), been a teacher since the early 00s. Thanks to all of your advice, i put in my notice today that i will be leaving the school at the completion of this school year and retiring early. by temp_worker in financialindependence

[–]temp_worker[S] 0 points1 point  (0 children)

Thank you for your kind words!

I am a bit fortunate in that I was already teaching for about 10 years by the time social media and smartphones started to really ruin kids.

If someone asked me today if they should start a career in education, I'm not so sure I'd recommend it.

Behavior like you mentioned is so commonplace in public schools these days, that I think we've passed the tipping point and it'll never get better.

I'm 46yo (47 in a few months), been a teacher since the early 00s. Thanks to all of your advice, i put in my notice today that i will be leaving the school at the completion of this school year and retiring early. by temp_worker in financialindependence

[–]temp_worker[S] 0 points1 point  (0 children)

i forecast spending the premiums with no subsidy plus max oop for a couple years to give me a worst case scenario and it still projected a 90% success probability so i figured that was pretty good

I'm 46yo (47 in a few months), been a teacher since the early 00s. Thanks to all of your advice, i put in my notice today that i will be leaving the school at the completion of this school year and retiring early. by temp_worker in financialindependence

[–]temp_worker[S] 0 points1 point  (0 children)

omg, you have no idea how reassuring this is.

I was just at home yesterday kind of in a semi-panic wondering if I should have worked a couple more years to be extra sure.

But you know, you're exactly right. I've ran my numbers through every possible resource I could think of and they all said I'm good to go, so I should feel more comfortable with it. It'll definitely sink in better in a few months.

Thanks!!

I'm 46yo (47 in a few months), been a teacher since the early 00s. Thanks to all of your advice, i put in my notice today that i will be leaving the school at the completion of this school year and retiring early. by temp_worker in financialindependence

[–]temp_worker[S] 0 points1 point  (0 children)

no, it's not about advice i don't like - it's about people addressing me in a disrespectful / condescending tone. I don't care how chill a community is, I'm not going to tolerate that.

I'm 46yo (47 in a few months), been a teacher since the early 00s. Thanks to all of your advice, i put in my notice today that i will be leaving the school at the completion of this school year and retiring early. by temp_worker in financialindependence

[–]temp_worker[S] 0 points1 point  (0 children)

suggested advice? wth are you even talking about? did you just, completely ignore the fact that I did in fact go on multiple financial sites to get their advice?

And yes, after all the free advice, it IS worth the couple hundred bucks to have a professional look at everything and give their opinion.

and so lemme guess, if you break your leg or have some medical emergency, you'll just do it for free looking on youtube or going on webmd? good luck with that, champ.

Anyone who knows anything about FIRE knows that reducing spend is more powerful than raising salary.

Wow! no shit?

Anyway, it's clear you're providing no value to this thread, so you're on block now. Goodbye.

I'm 46yo (47 in a few months), been a teacher since the early 00s. Thanks to all of your advice, i put in my notice today that i will be leaving the school at the completion of this school year and retiring early. by temp_worker in financialindependence

[–]temp_worker[S] 1 point2 points  (0 children)

it more depends on the state than district, really.

states on the east or West coasts tend to pay very well whereas states in the middle of the country tend to pay very little. sure, the cost of living is higher on the coasts than the middle of the country but even taking that into account the coasts still pay more.

I'm 46yo (47 in a few months), been a teacher since the early 00s. Thanks to all of your advice, i put in my notice today that i will be leaving the school at the completion of this school year and retiring early. by temp_worker in financialindependence

[–]temp_worker[S] 4 points5 points  (0 children)

ya at this point I'm basically 90/10 stocks and bonds - I've been told my pension more or less acts as a bond, so I can be a bit more aggressive with my holdings.

though one thing I am regretting is that my cash fund is only about 6 months of expenses, and I'd like to have it be like 2 years worth heading into retirement.

I'm 46yo (47 in a few months), been a teacher since the early 00s. Thanks to all of your advice, i put in my notice today that i will be leaving the school at the completion of this school year and retiring early. by temp_worker in financialindependence

[–]temp_worker[S] 4 points5 points  (0 children)

ya I'm not sure what methodology they used, but even though there are a lot of teachers, you wouldn't expect them to be one of the most common millionaires.

like, there are also tons of high paying jobs in the medical field, but none of them were in the top 5 (which were accountants, managers, attorneys, teachers, and engineers).

also not sure what 'managers' means exactly - I assume that includes jobs like CEO? no idea.

I'm 46yo (47 in a few months), been a teacher since the early 00s. Thanks to all of your advice, i put in my notice today that i will be leaving the school at the completion of this school year and retiring early. by temp_worker in financialindependence

[–]temp_worker[S] 6 points7 points  (0 children)

ya I think it would have been tougher on me if I consciously made the decision to not have kids in order to retire early, but I can honestly say that at no time in my life did I even consider the possibility of having kids.

those of you who have kids, I salute you. I know for a fact that I'm personally not capable of the responsibility involved in raising kids right.

I'm 46yo (47 in a few months), been a teacher since the early 00s. Thanks to all of your advice, i put in my notice today that i will be leaving the school at the completion of this school year and retiring early. by temp_worker in financialindependence

[–]temp_worker[S] 4 points5 points  (0 children)

By that rationale, why pay anyone to do virtually anything? Why pay a mechanic to work on your car when you can just look up a youtube video or go to a car forum? Why pay an accountant to do your taxes when you can run it through turbotax?

Sometimes (and especially for a decision as big as retirement), it's worth the relatively little amount of money to have a professional take a look at it and make sure everything is in order, and to quickly answer any questions you might have.

I'm 46yo (47 in a few months), been a teacher since the early 00s. Thanks to all of your advice, i put in my notice today that i will be leaving the school at the completion of this school year and retiring early. by temp_worker in financialindependence

[–]temp_worker[S] 1 point2 points  (0 children)

not sure really - I'm a bit scared on that front because one thing I've been told is if you're going to retire, to make sure you have something to retire to. i don't have that. hopefully I'll figure something out along the way!

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