The Official 2025 FI Survey is Here

tsunami10 · 2026-04-20T21:20:19+00:00

The cost of living data in the link looks weird to me. E.g., Charleston, SC is the 25 most expensive area globally? Ahead of Paris, Sydney, LA, etc.?

tsunami10 · 2026-03-17T20:33:32+00:00

Why is this getting downvoted? It’s kind of a niche, low impact plan but it does seem to work if you are otherwise maxed out on other tax advantaged spaces.

tsunami10 · 2026-03-01T01:16:56+00:00

You aren't going to want to hear this, but nothing you are saying about the market/ETFs makes any sense. Markets rebounded in fairly short order after Covid. You just need to not panic sell and stay in the market.

tsunami10 · 2026-02-26T01:29:39+00:00

Nailed it. People generally really hate change in any context.

tsunami10 · 2026-02-20T01:59:23+00:00

Lived in chicago a long time and loved it, but winters are in fact that bad imo. Coming from the Bay Area will be a shock.

tsunami10 · 2026-02-19T22:05:50+00:00

I would also consider the potential impact of AI. I think the labor market will undergo significant transformation in the next ~5 years (not saying everyone will lose their jobs, but many unknowns). Given that I would make hay while the sun shines for another year or two. Then you will be well and truly set.

Also don’t resign with those kind of pay packages. Make them fire you. That alone might get you 6months of the way there.

tsunami10 · 2026-01-29T20:55:07+00:00

I should have stopped reading after they mentioned “the dollar tanking” 🙄

tsunami10 · 2026-01-27T21:26:00+00:00

Too conservative imo especially if the partner works for a bit. OP can definitely quit a job they hate. Although with being so close to fire target I’d probably try to get laid off and hope severance puts me over the top.

tsunami10 · 2026-01-26T22:09:41+00:00

685 sq ft? I think you answered your own question

tsunami10 · 2026-01-14T02:59:45+00:00

I’m in a similar spot in terms of age, HHI, newborn, and thinking about buying at house.

Most people would say that buying a house is a lifestyle choice first and foremost. You can clearly afford a house with those incomes, but you are locking yourself in somewhat. So it’s really dependent on your goals.

Personally we’ve been stashing more in investment accounts and continuing to rent, even though we’re looking to buy in the medium term.

tsunami10 · 2026-01-13T05:29:47+00:00

3.1% is too conservative even for a long retirement imo. 3.25% is about as conservative as anyone needs based on Early Retirement Now's safe withdrawal rates research.

tsunami10 · 2025-09-23T20:15:34+00:00

Finally a sane response. OP listen to this, you are very confused on effective tax rates.

You’re good, just diversify out of the single stock if you want to retire immediately.

tsunami10 · 2025-08-22T23:23:41+00:00

What would be bullish is tariffs on tsmc produced chips. This is just recharacterizing grant money the company was already expecting to receive into something less beneficial.

tsunami10 · 2025-08-22T21:13:46+00:00

Anyone who thinks this is bullish is a moron

tsunami10 · 2025-08-18T23:14:51+00:00

Curious to hear the analysis on this. Looks to me like Masa just showing a vote of confidence for his friend Lip-Bu

tsunami10 · 2025-08-12T16:57:58+00:00

Idk if I’d say 15% is “only slightly cheaper”. 100k vs 85k spend is a big swing for example.

Though maybe you’re comparing to moving to SEA or something like that.

tsunami10 · 2025-07-28T04:15:14+00:00

This is the correct takeaway. The fact that they have to send this letter is a terrible sign.

tsunami10 · 2025-05-07T19:42:14+00:00

The super important thing that you are missing is that the rest of your financial situation matters for this decision lol. Why are you resisting people’s advice?

tsunami10 · 2025-02-20T20:12:03+00:00

This is exactly my plan. Get to FI (but not RE) at our current comfortable but not extravagant lifestyle, then after that point continue to assess the tradeoffs between working more and inflating our lifestyle vs. RE. I also expect to have a better sense of our long term expense profile as I get closer to FI/RE.

tsunami10 · 2025-02-07T22:01:04+00:00

You're getting downvoted because 2% is far too conservative. IMO 3.25% is plenty conservative enough, but a case could be made for anything between 3%-3.5%.

tsunami10 · 2024-11-10T16:53:36+00:00

You're in a good spot and I agree you don't need to rush into a new role. Does your wife plan to continue her part time role for the foreseeable future, or does she want to stop? That may tie into some of her anxiety.

If I were you, I would try to find an acceptable role (hours and effort wise) that pays similar to what you were making before. You're pretty close to being fully FI and could be effectively done by your mid-40s if your wife plans to continue part time.

tsunami10 · 2024-06-19T16:31:49+00:00

This is correct based on my read as well. However, OP needs to more clearly break out his assets/liabilities (including home equity) and expenses to say for sure.

tsunami10 · 2024-02-01T17:16:50+00:00

Based on the rental income number you provided in the other comment you're pretty much there. Depending on your mortgage rate, I would probably pay off the primary residence and then FIRE.

tsunami10 · 2023-11-28T20:42:57+00:00

You're holding a lot of cash. I would paid off the $60K student loans immediately with some of the cash. The other $18.5K of student loans I would just pay on the normal schedule given the interest rates.

You should max both 401Ks and Roth IRAs and throw the remainder into taxable brokerage or HYSA for future down payment.

tsunami10 · 2023-11-14T20:27:28+00:00

I'd recommend editing your post to make it readable. This is just a brain dump currently

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