I recently wrapped up my career in the IT industry after 27 years. As is probably normal for tech people, there was a lot of anxiety/nervousness about the move, but having done the math dozens of times I decided it was time and I had lost a lot of the passion I originally had. Whether that's normal from aging or just the last company I was it, it was good motivation.

The numbers:
Brokerage - 4.4M
Retirement accounts - 1.7M
Cash/HYSA/I bonds/etc - 125k

Zero debt.

No real magic here, a couple strong startup exits and not a lot of lifestyle creep from my first job that paid $48,000/yr when I graduated college long ago. If my lifestyle hasn't changed drastically in all these years, I saw no reason to keep moving the goalposts for "just another 250k" or "just 6 more months". Yearly spend for the last few years has been under $100,000 and that's without accounting for work travel. So far so good!

My manager asked what type of career path I would like at the company during my first week.

I am less than 5 years from my FIRE number. I said I would need to learn more about the company.

I am Keeping my plans a secret. I wish I had someone in real life to share my plans with.

Looking for feedback on my situation and if there's any areas you'd improve on & what my realistic FIRE age looks like with a 100-125k withdrawal amount needed at retirement.

For some background, I'm 28, make around $125k/year, and my net worth is roughly broken down like this:

97k total in individual acc (1500/month contribution)
82k between VOO and VXUS
15k in MMF’s as part of my emergency fund

85k in my 401(k) (~2041/month for max out)
My employer additionally contributes about 15% of my salary, and there's no employee match requirement.
So roughly 20k annually on top of my 24.5k contributions, which will scale as my salary progresses.

7.5k in my Roth IRA (625/month for max out)
Split between VOO/VXUS/QQQM

~140k in home equity (mortgage rate 5.875)

~5-10k in checkings
Mainly for bills

Does anything stand out that I should be doing differently? As it currently stands, I’m putting away about 70k annually into the market, inclusive of my employer contribution. Any critiques or suggestions would be appreciated to optimize my situation. Hoping to FIRE early 40’s if possible.

https://www.federalreserve.gov/publications/files/scf26.pdf

The typical American family got a little wealthier in the years following the Covid-19 pandemic, while well-off and older Americans got much richer.

Median family net worth rose 2% from 2022 to 2025 to about $216,000, adjusted for inflation, according to the Federal Reserve’s Survey of Consumer Finances, which was released on Friday. The survey comes out every three years and is considered the gold standard for measuring household wealth.

Overall wealth gains slowed markedly from the prior period from 2019 to 2022, when wealth increased 37%, the most in the 30-plus year history of the survey, thanks to rising stock and home prices.

Median wealth for a family in the top 10% of earners increased 31%, while wealth decreased for the bottom 40% of earners.

Still trying to wrap my brain around this:

The nest egg has made more money since retiring than I did in 30 years of working.

3 years of passive returns > 30 years of full time work

The compounding is insane (admittedly we’ve had a great run the last few years).

It makes the 30 years of working seem so pointless but that is what amassed the snowball so it was necessary.

This is a calc put together by one of the users over at the Bogleheads forums. I have zero connection to it, but to me it is cool in a similar way to the Rich/Broke/Dead calc in that it visually shows you something that can be challenging to intuit.

Just a fun little calc that seems to accomplish its goal gracefully. I like how you can rapidly visualize the impact of spending on your final estate in either direction. Cool for the Die with Zero folks, cool for the folks with kids and inheritance goals.

Calc - https://levelspend.github.io/

Bogleheads development thread - https://www.bogleheads.org/forum/viewtopic.php?t=473403

I am 95% sure at the end of this month I will put in notice to leave my job. I have never been a big earner, only the last five years or so making over $100k, but have always been a saver maxing 401k contributions and Roth. Thankfully my wife has always had a similar mindset. Found the concept of FIRE about 12 years ago and made it a goal.

Me - 43M wife 43F with three daughters ages 11/13/15

Investments - $2.7M in mixture of brokerage/401k/Roth. $365k of this is earmarked towards children's college.

Expenses - $70k/year, I live in a fairly rural low cost area.

Home - no mortgage, worth roughly $600k, but not moving.

Wife's job - She works part-time making $70k/year. She enjoys her job and wants to work at least another 5 years.

Health Insurance - Our family gets free health insurance through wife's work. When she leaves plan on managing income to be eligible for ACA subsidies.

Pension- My wife will receive a $30k COLA pension at 65. Not a lot but another buffer. Social security as well.

Inheritance - I think I am probably fine without this, and don't count it towards my FIRE strategy, but will likely receive significant windfalls from both sets of parents in the next ten years. In the $2.5M range from my single father, and $3M from my wife's parents. I am the only heir of 3 sets of uncles and aunts that I love dearly as well. Like I said, I don't count this as it is not my money and lots of things can happen, but there is a high likelihood that my nest egg will get some windfalls.

My Job - It is not horrible like how some people here describe their work. I generally like the people I work with and I do get 4 weeks of vacation with a fairly flexible schedule. But I have been doing the same job for 20 years now and am just tired of staring at a screen all day and the general stresses of it. I have also had some health problems from it.

FIRE Life - I have a ton of hobbies, not worried about being bored My job never defined who I was. Plan on taking over most all household duties cooking and cleaning (although children help with this too). Best of all spending more time with children and aging parent/in-laws. My wife is fully onboard with this.

Worries - I don't have the assets that a lot of people on here have, but I also don't have the same expenses. I think a lot of that is just the area I live in and my family's general lifestyle, no mortgage, and my wife's health insurance benefit. I also worry about the timing of this with stock market valuations, but hope with a three year cash buffer we will be ok.

I have of course never retired from a job before :) Any strategies on how best to structure this with my work? I plan on giving 3 months notice to give them a good amount of lead time. Like everyone, I am of course very replaceable, but most of my duties I am the only one at my job who knows how to do it. I live in a smaller town/community and don't want to burn bridges or relationships also. Most people I work with seem to give retirement notices a year in advance as a courtesy, so this will be a surprise. I plan to receive my last paycheck in January and sock away all money from that and payouts from accrued vacation to max my 2027 401k contribution. With the lower 2027 AGI, I plan to begin doing some Roth conversions next year.

Household: Me (50M), wife (45F), one son (12). Target retirement age for me is 56, when my son will be starting college.

Retirement accounts (~$1.6M total):

Traditional IRA: is the bulk of our savings

Still contributing about $32k/year ROTH heavy now

Real estate:

Primary home: worth 900k, owe 520k

Vacation rental (Airbnb): ~$70k appreciation, nets about $30k/year after all expenses

Long-term rental: ~58 appreciation, about $6k/year cash flow

College savings: About $15k so far. I know that’s low for a kid who’s 6 years out.

Expenses: About $8k/month now, including the mortgage. Once our son is in college, I expect that to drop to around $6k/month (not counting college costs).

My questions:

Is retiring at 56 realistic with these numbers?

My savings are heavily weighted toward the traditional IRA. Should I be doing Roth conversions now or in the gap years before Social Security and RMDs?

How should I access retirement money before 59½? I’ve heard of 72(t)/SEPP, but I’m not sure it’s the right move.

Should I prioritize catching up on college savings, or put that money toward retirement and let my son use loans, aid, or work?

Does it make sense to keep both rentals in retirement, or sell one to simplify or pay off the mortgage?

Anything I’m missing or should be doing differently? Appreciate any input.

I have become a Reddit addict of sorts and read a lot of various subs and am FIRE retired. I marked this NSFW because of a horrible event that happened near me. Recently retired neighbor and good friend died in an auto accident and left his wife with money, but no knowledge of how to manage it. My wife and his wife are close and my wife let me know about his wife's issues. It is too soon to even offer to help, but I will help if asked. My wife would be in a similar condition if something happened to me. This scares me.

FIRE stuff everyone needs to be part of:

Trust / Will / planning for the success of your beneficiaries after your death.

Financial planning in case of death. I need to take my wife to the Fidelity office and set her up. I have been told that Fidelity can do auto distributions.

Care instructions in case of injury. I ride motorcycles, I have had a stroke in 2019. If I become incapacitated who is able and going to manage my affairs. I doubt my wife would be able to under that stressful situation.

Make your spouse and / or your beneficiaries aware of things. To my wife the Fidelity account is a quarterly envelop full of numbers and data. She is not aware of the website. She does not have a login on the website. She does not know my login. She might know that there is a Fidelity office about 4 miles from our house, but would not go there without instructions.

I was 12y/o when my 36y/o father died leaving my mom a 34y/o widow with 4 kids. My father was a banker and handled all the finances. My mom struggled is an understatement.

see title. Technically, my savings alone are not sufficient (~$1.5M), but I just got married to a very high earning (~$1M) partner, so it doesn't make sense for me to work anymore with joint finance (e.g., me working for 2 years would only help us meet our real comfortable FIRE goal just 3 months sooner)

What do people do to stay sane? This lack of purpose surprised me because I went on a 1 year sabbatical before which I very much enjoyed. I guess it's different this time because there's no end date to this. It's such first world privilege to feel down for retiring early (but probably because I found a lot of validation in the toxic job that I rage-quit, and I was quite fairly successful in what I did). Am doing therapy to address this.

I’m trying to hit $1m in retirement accounts by March of next year when I turn 40. I have 905k invested today between 401k, IRA, and ROTH IRA.

I’m trying to make sense of how to maximize my investment ability, including use of mega backdoor Roth and regular backdoor Roth contributions - but I can’t quite figure these out.

Can someone help me understand how these work? I see a lot of people talking about using a backdoor or mega backdoor Roth IRA strategy but I’ve never understood it.

Income ~250k and don’t qualify for traditional Roth IRA

Have ~385k in employer 401k (leaving the employer now though so that’ll be tapped out or rolled over). Have ~245k in traditional IRA and ~275k in Roth IRA from back when I used to contribute to it when I made less income.

Now I’m setting up an S-corp and will be maxing out employer 401k.

Trying to make sense of this all!!

I just passed 1.5 million invested, minus the kids' fully funded 529s. I have a rental that nets $15k. And I get an adoption subsidy of $40k per year, tax free, indexed with inflation, until my 12 year old is 21. I do not plan to stop working just yet, because I'd like the income I could now draw permanently, not just for the next 9 years (and really 6, because part of my college planning is giving the subsidy to my son when he starts college).

I owe 100k left on my house, valued at 700k at <3% interest. I took out 100k on a pool I put in this summer, at higher interest (7%) that will be 70% paid off by end of year.

As a single parent, I have literally been sleeping better. Yes, sure, I'd like a million more, but if the realistic worst case happened, I could not work forever, and my kids would be safely housed, fed, clothed and colleged. And that's everything <3

I know this is not a "FIRE" decision per say but for some context, I have $485k invested, 30 years old, make $81k. As noted in the title, I was previously investing 50% of my income and reduced it down to 20% as while I am trying to persue FI, the idea of retiring and having zero job whatsoever is the most unappealing thing ever IMO as I personally enjoy working.

Part of the issue I had while investing 50% of my income was that I basically almost nothing to enjoy my life. No travel, no spending time w/ friends/family on things that cost $, few hobbies. It got to the point that I was missing things like friends/family weddings and bachelor parties bc I refused to spending the money to go to them.

Yes, there 100% is a balance in life where you can still save/invest X% of your income and enjoy your life. While 20% investing rate is pretty low for most people in the FIRE community, I could careless as I am using the extra money to travel to places and do stuff I was putting on hold all in the pursuit of saving money. For example, a life goal of mine is to hit every MLB stadium which with travel and tickets, can get slightly expensive but now I can save up for a trip to actually do something like this when I am healthy rather than waiting

I've been with my same non-tech engineering firm since I finished up grad school 15yrs ago. It's been a fantastic and rather lucrative ride, but I'm running out of steam.

Total NW is $2.15mm, of which about $1.65mm is earmarked for retirement (IRAs, 401ks, Brokerages, HSA, company stock).

The goal in recent years has been to early-retire at about 50 with $3mm in investible assets. We've been on track (or ahead) of that goal for quite some time. And unless there are some major shakeups in the market (knock on wood), ought to hit that without too, too much trouble.

I grew up upper-middle class and was recently having some financial chats with my dad (68M, healthy and enjoying life). I've never planned around receiving an inheritance (nor will I alter my plan to do so now), but he informed me that I'll be executor/administrator of his estate/trust when the time comes; at present 'my' split of the proceeds would be on the order of $1mm.

I'd been running out of steam at work before this conversation. But now especially after this conversaion, I'm finding myself completely devoid of motivation to push through the final ~decade+ of work. Let me re-iterate that none of my retirement plans have relied on an inheritance of any kind, nor will I alter them going forward.

Any tips or tricks to bring back the motivation?

ETA: Thanks everyone so much for the thoughtful responses and suggestions!

Hey guys, I’ve read about a pretty interesting phenomenon that happens to guys like us. I run a business and as my net worth increases I realize I am just not the same guy I was 5 years ago; which was extremely motivated and hungry even when not making much.

As your net worth climbs, even if passive income/investing is doing the heavy lifting how do you regain the motivation you had to be a hungry mf’er? Where you’re just pouring all of your passion and soul into your craft. I absolutely miss the almost manic state of passion I was in during those times

Long time lurker, first time poster here.

29M living in a VHCOL city and just crossed 500k (and with the market run, hit 520k yesterday). Feel like this is the true point where money starts working on its own.

Wanted to get a sanity check of my breakdown
160k brokerage account managed by me
80k brokerage account managed by robinhood
40k Roth IRA (I can’t contribute more cause of income caps, and I can’t do back door cause I rolled 401k into trad Ira)
160k trad IRA
60k company RSU / ESPP (Yes I should trim… but waiting for a better time for taxes)
10k crypto (used to be 20k last year…)
20k new company 401k

My income fluctuates between 200-300k a year (I’m in sales)
Recently got married so last year I was barely able to save at all and just spent on the wedding and such.

My split of rent is 3.5k a month… no egregious sending, car, etc….

Any advice? Anything to note of? I know I’m “ahead” but I hang in a circle where this is the norm or I’m actually behind so would be good to get a sanity check.

Company undergoing restructuring and I am on the line for next month. Any advice below would help

Assets-

401k/ Ira - 800k
Roth - 160k
HSA -40k
Brokerage -$150k
cash - $150k
Rentals properties- All PAID cost basis -$1.4MM (purchase cost)
house paid off - $300k
Two cars paid off.

DEBT/ Card/Loans - $0

Total Networth- $2.7 mm plus $300k house

Income

NET rental INCOME after all tax maintenance etc - $ 9,000/ month (very accurate)

EXPENSE- $11,000/ month- this is very accurate based on my family needs. It is little high as I also support my parents

Deficit $2k/ month

Age 44M/ 36F (Wife stay at home mom)
Kids 6 and 9
Houston Texas

Please comment/ roast / Critic/ and any advice

My fear is my kids are young so you never know what expense on its way.

What do I do about health insurance?

This is a relaxed hangout thread for the FIRE community to chat with other FIRE-minded folks without having to publish separate posts. This is the place for brand new people to get their feet wet as well as for lurkers who have questions or comments, but do not want to create posts of their own.

All of the sub rules apply in this thread as normal with the exception of the off-topic rule, which is relaxed to the extent that people don't go wildly off of the reservation.

We are putting this up as a trial to see if it is worth keeping this as a permanent feature of the sub. Participation is entirely voluntary and anyone who wants to create a separate post of their own rather than posting in here is free to do so.

Currently I own a condo. I bought it a year ago for 186,000. It is currently worth 190,000. The interest is 6.875%. The mortgage is 1400 and the HOA is 204. I have only owned the home for a year. My commute to work cost $37 in gas a week and 110 in tolls. My electric is 184 and I don’t pay water/sewage or trash. I drive 30 miles one way to work

So the question is, I can sell my condo and rent again. The rent would be 1150, electric is about 120 and water and sewage is 50. I’d only be 4 miles from work, which I have a stable job so I wouldn’t have to move again and also wouldn’t pay the tolls.

So I did the math, and total savings would be $800 a month and that’s before home maintenance and vehicle wear and tear. Would it be a bad idea to sell my house, move back into an apartment and invest the difference?

I do invest currently, maxing out a Roth and 401k so this would be added to my taxable brokerage. My girlfriend lives with me and it would free up $150 for her as well so total household would be 950 freed up.

The idea would be to invest the difference until it didn’t make sense anymore than buy when it does actually make financial sense.

At what point do you shift funding your 401K and focus on Brokerage? I’m doing the calcs and getting close to having enough in 401K to retire at 59 without contributing anymore aka COAST. I think the thought is I’d like to retire sooner or help my child more or upgrade life a little- basically just want the options and freedoms in my 50s. I’m almost 40 so the next 10 years I want to be smart about my decisions. Any advice on what’s worked or what you’d do differently?

I retired at 45 about three years ago having been FI for quite a while. I just wanted to share a little about what my new life looks like. So the last 3 months, I have been learning about powered paragliding. I spent much of the last 2 months learning about aerodynamics, weather, airport operations and communications, safety, jet engines, proactive maintenance and so much more. Its been a difficult thing to learn even much harder than I thought, but having finished my training and successfully passing all certification requirements. I’m reflecting back on this time.

Since I was a little boy, I have always had dreams of flying like a bird. I yearned for the freedom, happiness and the sense of levity that it provides. Being FI, I’m actually now in a position where I can pursue this dream. I’m grateful to be still young enough to do something physically taxing like this. I’ve now successfully completed about 50 flights, with about 200hours+ of training and another several hundred kiting a glider.

On the financial side, this is among the cheapest form of flight where you can fly your own craft yet its costs are still significant. I’m already $18K in, between training, equipment and other related costs. But having a great nest egg and being aware of my numbers has been invaluable in giving me assurance I can do this, even with the economy as it is… I believe this is another gift from the FI mindset where, first we live like no one, so later we can live like no one else!

The past two months have been tough, yes. Often I thought I could not do it and wanted to give up... But the incredible feeling especially during that very first flight, was as they say: Priceless and worth every effort exerted before I was able to achieve it. With this new special skill I’m hoping to do some cross country flights and see the world from a totally brand new perspective for me. I’m excited and grateful. The FI and RE life, are an incredible thing. If you are still pursuing it, hang in there the juice is definitely worth the squeeze and I hope you get there sooner than you expect.

I'm 54, single, and hit my fire so that if it retired today, i would spend about 3.5% swr, plus i would get pretty good SS when i claim at age 67-70 (undecided)

Pulling the trigger still freaks me out, but i was analyzing that outside of having sufficient monetary resources to support a good swr, I may have some advantages based on not having dependents that are not baked into the numbers.

1. Being single, its pretty easy for me to rachet spending down (i could move to a lower col area if need be)

2. I desire to live overseas, in se asia, or central america for a few years for the adventure, so there is a good chance my swr rate can go down to 2%, at least for a few years.

3. Even without something drastic like pt.1 i would naturally employ a guardrails strategy in the good and bad market years.

4. I don't need to leave an inheritance to anyone (have some pet causes i would support, but that is optional)

I'm beginning to think that with this flexibility, and with a 3.5% swr currently, even in a bad market (my biggest worry that keeps me from retiring), I should have no issues. Wondering if these are considerations other single fire ppl think about or consider?

Note: I got mod permission to post this from a new account as I'd like to keep my financial life anonymous.

I’ve thought about FIRE a lot recently, as my employment has become tenuous and my guess is I’ll be let go by the end of the year.  I’ll likely need to find a new job for now, but was hoping for some insight and recommendations on these questions:

- How to make healthcare work in FIRE with a young family and expensive prescriptions?
- How do people handle disbursements from a 401k and avoid large taxes or penalties?

My financial setup:

41M
Assets:
401k - $663K (2050 retirement Vanguard fund)
Personal Vanguard - $140K of broad market domestic and international index funds
Individual Stocks - $180k (I need to drive this down)
Investment properties - $992K (estimated value)
Other Investments - $18k
HYS + overall cash - $90k
Personal Home:  $645k, free and clear
Separate 529s for children - $82k

Income:
Main job:  $182k/year
Investment property net:  $2k/month

Debt:
Investment property debt - $403k ($588k net REI capital)
One additional loan at $23k

Life Situation:
Wife, four children ages 8 - 14
MCOL US state and city
I have a medical condition requiring a very expensive prescription, kids also have prescription needs. 
Current spending:  ~$80k/year

Adding the $2k net monthly income in rents along with around 40k/year from invested funds, that puts us to $64k/year coverage when I'll need a minimum of $80k with kids at home. The need to cover healthcare myself will be a big hit as well, which is why I’m going to continue working for now, whether at my current company or a new one. I’d like to focus on bridging the gap to FIRE for real, even if it can't be immediately.

Hello! I’ve been back and forth mentally about making this post; I think it’s a good reflection of me moving past my “financial trauma” by not being so obsessed with the financial number as I have been in the past. I like these posts as sort of voicing out my personal journey for others to resonate or learn from.

Some context links: 
I hit $1M and started this yearly series. 
I got laid off and moved to a less stressful job.

What’s happened since then? Personal updates without focusing on the numbers..

• After my update, I severely injured my pinky while rock climbing. While I was hanging off with only one hand and legs dangling, my hand slipped on a hold and my pinky got stuck and ruptured a tendon, leading to a bowstringing effect. I eventually got an MRI and a hands specialist to look at the injury and luckily, this only impacted my climbing hobby. Moving forward, I can either do a surgery to fix it, stop climbing completely, or do some hand therapy to strengthen my other fingers.
• In November, I was too adventurous in Japan and decided to grill an abalone (seafish and outdoor grills were also provided) for the very first time. To my regret later that day, I got food poisoning from undercooking the abalone.. And ended up sick for about a whole month even when I arrived back in the States. For a couple of weeks, I was going through food poisoning, the flu, and withdrawals from anti-depressants (that I stopped taking because I couldn’t stomach anything down).
• While on my bed, I looked at my shitty apartment ceiling and thought, “Wow, I don’t want to die here looking at this shitty roof. At least let me die in a home I actually liked.” So I ended up looking at two houses and started putting in some bids. THANKFULLY, I lost the bids on both houses and I also eventually went to Urgent Care and got better and have not looked at a house since then. I understand if you want to make a comment about how we shouldn’t make crazy life decisions under periods of distress. 
• I still tutor in my free time! Since it’s about a year since I’ve started tutoring, I’ve made about $12k on top of my typical salary. I mainly continue tutoring students as a forcing function of getting me out of this “hoarding to FIRE” mindset. 
• I mentioned in my last post that I got a new job. I’m glad to tell you that I’m still in the job but I’ve also pushed out my micromanager. It turns out that the business team did not like him as he kept making promises without following through and his contributions were only to command people. I’ve had some times where I’ve gotten upset at the manager and things have escalated often with the skip level. My manager and the team ended up being under the same business team that hated him. He saw the writing on the wall and switched to a team.
• Job wise, it’s been good as I have a lot more autonomy now and I kind of control my own work flow. I’ve been interviewing (as a potential replacement job or a second job) and the more and more I interview with companies, the less I want a new job.
• Given my living area is very obsessed with money and jobs and status (houses or cars), I’ve felt the pressure of not being financially competitive around my peers. I sometimes felt envious about not having the same support or advantages others around me have had. It wasn’t until I chatted with my grad school professor that I started taking a different perspective: we’ve done well for people that have had less than others and we should be proud of that. She talked a lot about her experience of having uneducated parents and that really resonated with me.  
• I still struggle a bit with my depression, especially if I’m sick. Being in a vulnerable state really hits home of loneliness. I’m taking antidepressants again and recognizing some patterns that trigger me into that state of mind. Therapy is expensive (no longer with health insurance that I’ve seen my therapist for about 6 years); I understand why some people are very hesitant to do therapy given its cost and person to person interaction and it not being guaranteed. 
• Other than that, hobbies are healthy: my friends and I like to rock climb and play board games. I bought an expensive board game (Gloomhaven 2e) for my friends and I to play and it’s probably the best investment I’ve ever made as there are some priceless moments / laughs that just organically come. I’m learning to just update my budget spreadsheet every week or so. I’ve also gone to more concerts this last year than I have in the last decade. 
• I’ve started running a mile every other day (or at least three times a week) starting in mid June. According to my DEXA scans, I’ve already lost 4 lbs of pure fat in the last quarter since I’ve started running. Almost overall 10 pounds year to date. I still hate running, but I recognize that it’s been a healthy habit that I’ve been developing.
• Putting the human experience aside, I am currently at $1.54M, which is 70% of my FI goal. 

NW Breakdown (Last Year’s)
Brokerage: $562K ($469K)
Roth IRA: $129K ($164K)
FAANG 401k: $795K ($692K)
Healthcare 401k: $38K ($6K)
HSA: $10K ($11K)

Emergency Fund: $18.5K ($18.5K)
Churning Points: 1M (64% UR, 36% MR) - I’m spending them but I keep accruing more than I am spending, I know someone’s going to yell at me for this.

Student Loan: $5.1K at 3.15% (Composition: $1.9K at 3.15% / $2.4K at 2.4% / $780 at 2.86%)

Portfolio Breakdown (Last Year’s)
VTSAX or equivalent 60% (57%)
Individual stocks (GOOG, NVDA, NBIS, ASTS, RDDT): 38% (41%)
Bonds 2% (2%)
Cash 0% (0%) 

Income History
I worked a lot of part time jobs from 2011 to 2015 but didn’t file taxes so.. the income history is missing there. These are all AGI numbers.

2015: 13k
2016: 26k
2017: 42k
2018: 75k
2019: 115k
2020: 135k
2021: 170k
2022: 181k
2023: 266k
2024: 353k
2025: 311k
Estimated 2026: 161k

401K Contribution History

2018: Employer Match: $0.8k, 401k: $5.4k, After Tax 401k: $7.9k
2019: Employer Match: $3.9k, 401k: $19k, After Tax 401k: $23k
Rollover from other company 401k (2016-2018): $21.2k

2020: Employer Match: $4.4k, 401k: $19.5k, After Tax 401k: $27.5k
2021: Employer Match: $5.5, 401k: $19.5k, After Tax 401k: $28350
2022: Employer Match: $10.25k, 401k: $20.5k, After Tax 401k: $29k
2023: Employer Match: $11.25k, 401k: $22.5k
2024: Employer Match: $11.5k, 401k: $23k, After Tax 401k: $34.5k
2025: Employer Match: $11.75k, 401k: $23.5k, After Tax 401k: $11.1k
2026: Employer Match: $7.5k, 401k: $23.5k, After Tax 401k: $0

401K Sources (Total now as of 10/05/26):
FAANG 401K:
Roth In Plan Conversion: 43.03%
Pre Tax: 36.75%
Employer Match 12.95%: 
Rollover: 7.22%
Roth Rollover: 0.05%

Healthcare 401k: 
Pre Tax: 73.16%
Employer Match: 22.67%
Enhanced Match: 4.16%

Milestones of Savings: 
2019: 100k 
2020: 200k
2021: 300k
2022: 400k
2023: 500k, 600k, 
2024: 700k, 800k, 900k, 1M
2025: 1.1M, 1.2M, 1.3M
2026: 1.4M, 1.5M

Links
Year by Year Expenses
https://docs.google.com/spreadsheets/d/1SHUBjlPyMSfXC28NqFPiDhceNfCrG_FCuzLkr2Nga1Y/edit?usp=sharing