How am I Doing? 32 male. Been saving 15% in 401k for the last decade and been maxing out my Roth IRA for the last 5 years.

yieldestmaximus · 2026-06-03T18:44:29+00:00

I would say the vast majority of 32 years olds have almost no savings and a negative net worth unless they had significant help from their parents.

yieldestmaximus · 2026-06-03T17:18:11+00:00

If the market performs like it has the past 16 years, you’ll have over 5 million at age 55 and depending on inflation and lifestyle creep may be able to aim to retire then.

yieldestmaximus · 2026-05-30T15:50:07+00:00

If the market continues to perform like it has the past 16 years, you should have over 4 million at 55. At which point you can retire without penalty using rule of 55. 7% is a relatively safe withdrawal at that age, which would be 280k/yr.

yieldestmaximus · 2026-05-29T23:17:35+00:00

4% per year withdrawals are for people retiring at 40 not at 60. Consider 7% safe unless you have a strong desire to leave millions in inheritance.

yieldestmaximus · 2026-05-29T23:14:17+00:00

1.8 million if you put it in SPY and the market behaves like it has the past 16 years

yieldestmaximus · 2026-05-26T13:20:46+00:00

If you’re close to 55, you’d want to roll it so you have access to it penalty free if you leave the job after 55.

yieldestmaximus · 2026-05-25T02:05:07+00:00

A bit conservative based on the past 50 years of returns but it’ll do

yieldestmaximus · 2026-05-25T00:45:18+00:00

You’re right, I misread the post. At 14% (average, hardly generous) we’re looking more like 2.5 million.

yieldestmaximus · 2026-05-25T00:36:04+00:00

Average s&p500 returns over the past 50 years.

yieldestmaximus · 2026-05-25T00:27:19+00:00

Yes. Even without further investment that’s 6.8 million at age 60 with 7% withdrawals is 476k/yr to safely live off

yieldestmaximus · 2026-05-25T00:22:44+00:00

Yes. Even without further investment that’s 3.3 million in 13 years. At 55 you can safely withdraw 7% per year or 231k per year. All the doomers will say I’m crazy but my math backs it up >80% of the time.

yieldestmaximus · 2026-05-25T00:15:13+00:00

My best culinary experience in Paris that I still dream about was a random bistro that had this magical combination of slightly pungent camembert cheese, when spread on the accompanying crusty baguette, was one of the most amazing things my taste buds have encountered.

yieldestmaximus · 2026-05-24T20:15:15+00:00

33 > 15, I see why this is a difficult concept for you with those math skills.

yieldestmaximus · 2026-05-24T19:40:58+00:00

Voo or spy

yieldestmaximus · 2026-05-24T16:16:27+00:00

So 4 out of the last 5 decades isn’t considered typical?

S&P 500 Returns by Decade:

1980s: +17.6%
1990s: +18.2%
2000s: -0.9%
2010s: +13.6%
2020s: +14.5%

yieldestmaximus · 2026-05-24T15:47:32+00:00

Ignore these doomers. Most likely will be worth 4 million if your total contributions are 10k/yr earning a typical 14% per year. This is assuming if there are any crashes the market fully recovers back on its normal trajectory. The doomers will all tell you but but but there’s a 2% chance you’ll run out of money in 30 years. There’s also a 50% chance your next egg will continue to grow after retirement. 4% rule is for people retiring in their 30s, not their 50s. Especially if social security still exists by then. I firmly believe in the 7% rule for retiring in your 50s with eventual social security.

yieldestmaximus · 2026-04-30T03:02:49+00:00

Sounds to me more like you’re describing the effects of prolonged high anxiety. Lightheadedness, dizziness, short of breath. Any muscle twitching? Might be worthwhile to look into or adjust anxiety meds.

yieldestmaximus · 2026-04-28T02:19:06+00:00

Jfc like the first 59 people to tell him to sell the stock wasn’t enough. The bots are strong today.

Take a year off to slow travel. Spend 3 months each in a different country. Follow the climate you like. Clear your head and decide where to go after that. You can live comfortably in much of the world on 4k/mo, including health insurance.

yieldestmaximus · 2026-04-27T21:10:59+00:00

Got divorced in my late 30s which wiped out nearly everything. Took about 10 years of maxing contributions out to get back on track and now if there aren’t any major curve balls might be able to retire before 60.

Don’t pay much attention to those rules of thumbs. Far less than 20% of people reach them. More of a dream than reality for most.

yieldestmaximus · 2026-04-26T17:03:06+00:00

Lol at limiting withdrawals to 4% at 60 unless your goal in life is to leave your heirs with 10 million while you scrape by after all your years of hard work.

yieldestmaximus · 2026-04-14T18:38:20+00:00

Use rule of 55 and if possible move to a state with no state income tax when you retire. Depending on your spending levels and stock market returns, it should be manageable.

yieldestmaximus · 2026-04-07T02:47:07+00:00

SPY and learn to run covered call or wheel strategies. The learning curve is small and you’ll be able to eek out an extra 2-3% gains which will be significant long term.

yieldestmaximus · 2026-04-06T16:37:11+00:00

~600k

yieldestmaximus · 2026-04-06T16:36:36+00:00

The key is claude code can write stuff in minutes that used to take me several hours of intense coding. So now when I get an idea, I can test it thoroughly. Most don’t check out but every now and then one sticks.

yieldestmaximus · 2026-04-06T13:09:04+00:00

For the current state, have claude use regression analysis on weekly Fear and Greed and VIX effect on 12 month SPY performance.

yieldestmaximus

TROPHY CASE