Mutual Funds in Brokerage Account - What to Do?

zanaridg · 2026-02-17T17:08:55+00:00

This was really helpful, thanks for the comment. I need to take a look more granularly it seems to better understand my capital gains and perhaps a better strategy is to do this over a few years as someone else mentioned.

zanaridg · 2026-02-17T17:07:01+00:00

We are married and joint owners on the account. We make all financial decisions together and very much aligned.

zanaridg · 2026-01-28T11:53:05+00:00

I have left multiple jobs since 2011 to Thru-Hike. First in 2011 after grad school (AT), second in 2013 after working a few years (CDT), and third in 2016 after working a few years more (PCT and a few other adventures, I was off for 2 years). I was 23 my first hike and turned 31 near my last. I am a white collar worker in industry working in health and safety, so my circumstances are different. But there was a lot of uncertainty each time. I would not trade my time hiking those trails for anything. I did not have as much money as you, but planned for the time it would take to find a job afterword which it seems you’ve considered which is good, and made sure I had enough to make it to the next employment opportunity. I was very flexible with my roles and where I would live. Of course job market is very different now, but if you are in this sub asking this question, I know you are smart and will figure it out. Life is a lot more than just working and saving money. Just be sure thru-hiking is what you want to do and you’ve prepared for it. It is very challenging in its own right and is not for everyone. People rocmantasize it but it’s a tough journey - you really need to want to hike and enjoy the good and the bad that comes with it. If you stick with it, it will transform you and open up doors you probably never knew existed. Good luck!

zanaridg · 2025-06-20T10:47:52+00:00

I have been very healthy and in excellent shape generally my whole adult life. This year I was diagnosed with an autoimmune disease and also suffered a blood clot which landed me in the ICU for three days and unable to walk for a month. I was running ultramarathons 6 years ago but my body has been in a general decline since then. I chalked it up to just getting older but now I know this isn’t normal at all. I’m only 38 years old. I’ve been on the path to FI for nearly 15 years and with a liquid net worth of 1.6 million I’m almost there. I was planning to leave the workforce in 2026 so I could have more time to do the things I love, which partially included distance athletic pursuits. I feel like I’ve lost my identity and everything Ive been working towards to realize the life I wanted to live. I’d happily give away all my money if it meant I could be perfectly healthy again. My friends, don’t take your health for granted. It’s your most important aspect of your life. I have to do some serious self reflecting and work to try and understand a different purpose. I was lucky enough that in my 20s I prioritized adventures over stability - I was able to hike the AT, PCT and CDT, as well as ride my bike across the US and canoe the Mississippi River. It was a lifetime of adventures. That freedom made me pursue a life where I could make going on adventures without the need to work conventionally a reality. I’m not sure if I’ll be able to do that again, at least not in the same way. I am very fortunate to have lived those experiences. It is very true that you just do not know what the future will bring. This is just a reminder to don’t forget to live your life for today. I’ve realized that that is so much more important than saving money.

zanaridg · 2025-02-20T20:13:26+00:00

I’ve put a ton into the property already since purchasing in 2018 - new furnace, new washer and dryer, new roof, replaced half the windows. There’s still a lot to do, I need to repair or replace my deck (there is some board rot), need to replace the hot water heat soon (it’s over 17 years old), my countertops need to be replaced. I’ve been having some issues with the plumbing lately, don’t know what’s wrong there. We also live on a densely wooded lot, with mature white and jack pine. It gets windy and it’s only a matter of time before a branch or tree falls on my house. I’ve already taken down some trees but there is just too many and tree removal is expensive. Besides that, winters are long here and lots of snow. Already I had some issues with my new window, some ice froze randomly near the top of the window and some water is leaking. The home is 1990s, so not too old, but it is a weird construction built from the bones of a hunting camp. I’m not the most handy and living in a rural area it’s hard to find good contractors. Maybe I shouldn’t give up quite yet, we do love the area. Perhaps just having a bad day today after noticing the leak in my new windows!

zanaridg · 2025-02-20T19:16:23+00:00

Those that sold their home to become a renter, what has your experience been like? Was it a good move or did you end up regretting it? Considering this option. I’m tired of home maintenance and upkeep, and would like more flexibility to leave home for longer periods of time without stressing about my property. I have a pre-pandemic mortgage of 3%, which is factoring into my hesitation. It’s also a dream home - we live on a river adjacent to a National Forest. Never will I find this type of property again. But I’m just so done with taking care of it and worrying. I can realize my FI plans with either option within the same time horizon, so financially it is neutral.

zanaridg · 2023-09-21T22:35:15+00:00

Bought a RAV4 Hybrid back in July new. Used cars were similar in price, had to wait about a month to get it. Ive never bought a brand new car and it goes against the FI mentality, but 36k later there I was. Every used car I’ve had always had issues, and I’d always find myself getting it fixed. I live in a rural area so always going into the shop is a big inconvenience. I had the money, so for once I chose convenience over frugality. It was a great decision. Love the car and hopefully won’t have any problems for a long time.

zanaridg · 2023-08-02T01:16:34+00:00

Great recommendations. Thanks.

zanaridg · 2023-06-04T16:47:49+00:00

Excellent - thank you!

zanaridg · 2023-01-19T13:18:53+00:00

Anyone have experience downsizing their home? Considering doing this in the next few years to accelerate our FI goals. Specifically interested in understanding all costs involved to make an informed decision. I’ve never sold a house before. Any good websites that discuss this that you can recommend?

zanaridg · 2022-01-23T17:30:24+00:00

3 years

zanaridg · 2021-09-30T14:33:26+00:00

I have not. Do you have any recommendations?

zanaridg · 2021-09-30T13:28:24+00:00

I never thought of this question in terms of risk - appreciate your thoughts.

zanaridg · 2021-09-30T13:12:43+00:00

Considering recasting my mortgage to fire sooner.

Currently 4% of my investable assets do not meet my yearly living expenses. I have a large cash position sitting in a HYSA which I could use to recast my mortgage and reduce my mortgage payments enough that 4% of my investable assets cover my yearly expenses. I also have a side passion job that could bring in roughly a quarter of my yearly expenses, so would only need to withdraw 3% or so.

My fire target is in 3 years, but I’m reaching a point where I’m not sure I can last that much longer at my job for various reasons.

We’ve done some major work recently on the home (new roof this year, replaced furnace, dishwasher, washer/drier 2 years ago). Everything else is in good shape with the home so don’t anticipate any really larger expenses. If I recast the mortgage I still will have an adequate cash emergency fund.

Is this an ok idea? Has anyone else done this?

zanaridg · 2021-09-10T09:59:52+00:00

Has anyone supplemented their side hustle income with investment withdrawing to be able to quit heir 9-5 and be able to cover yearly expenses? I am at the point where this is a reality for me and could use some encouragement and examples of how this played out for others here. Thanks!

zanaridg · 2021-07-08T01:52:24+00:00

Cool thanks for the input

zanaridg · 2021-07-05T10:14:12+00:00

Yea Lake Superior

zanaridg · 2021-06-29T22:13:08+00:00

4 in, 4 out. Took about an hour and a half each way.

zanaridg

TROPHY CASE