"You can't relax at $1.5 mil" seems like flame
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Date: September 9th, 2024 7:22 AM Author: stimulating boltzmann lodge
no shit even if u take this shit abt 1m being $5 back in 1991 it seems u just bump it up to $1.5m instead, not even 2m
1.5m seems like good number, thats my goal now im so retarded though
XO is dumb, just following their jew overlords who have brainwashed them to work for life, its so dumb. the US isnt even a good place to live anymore, so wtf is the issue moving somewhere else to just do whatever u want instad of living arnd niggas hoaping not to get murdered
(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2#48065306) |
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Date: September 9th, 2024 1:14 PM Author: bright shrine
Why hope not to get murdered? Who gives a fuck anyway...we're all checking out.
You get fixated on thinking your number is right for everyone, but you're admittedly retarded and unable to settle anywhere in particular.
My number is a little over $2 million not including 401k. I should hit that in about 3 years. I'll be ready then and will just have to hope my genetics and diet conspire to keep me from ever hitting my 70s.
(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2#48066494) |
Date: September 9th, 2024 7:29 AM Author: Impressive jap
wife and i have a bit more than 2 mil invested. i wouldn't retire off that, but it has taken the stress off me in a way that is 180. i was in midlaw when we had our first kid back in 2015 and our nw was around $400k. i was making $180k and was constantly nervous about where my career was headed, what my income trajectory would be, how i'd pay for college, etc.
now, i could give a fuck. i could afford to drive uber or some other bullshit job and still retire pretty wealthy, as long as i let the money grow for the next 15-20 years. as a result i taunt spaceporn here while he threatens me with "bar inquiries" and i lol heartily at him.
(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2#48065334) |
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Date: September 9th, 2024 7:40 AM Author: Impressive jap
we hit $1 million in early 2020 IIRC, then 2 mil just 4 years later. i also - for now, anyway - am equity and in addition to getting a $350k (roughly) draw, i'll be getting a payout each Feb of around 100k after taxes and deductions. as it is, based on the draw i am maxing out 401k and saving another 3-4k/mo. i plan to plow all or most of that payout into my ETF portfolio. wife also maxes out 401k and has a 9% match, so that's another ~32k/year in investments.
unless we go into a prolonged bear market, i think we can be at or above 5 million within 10 years. i'd like to fully retire with 15 mil, which i think is possible, since i'm 46.
also, college is more or less fully funded - i have about $250k in 529s that i don't count toward net worth (continuing to put in $500/mo for now, but it's probably overkill).
even if i got SPACEPORNPWNED and had to get a job that just covers expenses (not hard, bc our mortgage is only like $2800/mo and we don't have any crazy expenses), our 2 mil would be nearly 10 after 15 years assuming a 10% rate of return (i know they say to figure 7% or whatever, but that seems overly conservative. that said, if you assume 7%, then it'll be about $5.5 mil after 15 years)
(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2#48065362)
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Date: September 9th, 2024 9:04 AM Author: Impressive jap
what do your living expenses look like? the 1.5m growing for 20 years will set you up nicely (assuming 10%/year, $10 mil, assuming 7%, $5.8 mil). if i were you, i'd cut back to cushy part time jobs that provide insurance, if possible. barring that, you should be able to live off the $2 mil for 20 years. i'd either leave it in an S&P fund, or put 50% of it into that and 50% into lower risk bullshit (treasuries, bonds? idk, i don't invest in any of that bs).
you and your lover are right about where i think my wife and i would be at this age if we hadn't had kids. they are fucking expensive man. at one point, i was paying like $4k a month in preschool for both (not each) of them.
(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2#48065471) |
Date: September 9th, 2024 1:03 PM Author: free-loading diverse ratface
I'm approaching $2M net worth and looking into other non-law options. How do people deal with health insurance for their families in this situation? COBRA or buying on my own would be like $50k/yr and we'd still have to come out of pocket for shit.
Health insurance is the one thing holding me back. What a country.
(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2#48066432) |
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Date: September 10th, 2024 11:01 AM Author: 30 million illegals to give us healthcare
ive made this point many times and been called a communist
its retarded as fuck that USA is the only developed country where you need to have a full time job in order to provide healthcare or else u and ur family are fucked.
and if u dont have insurance, ur medical bill might be 10x higher cuz u didnt negotiate with them in advance of your emergency treatment.
what a shithole. its designed to make you a slave to ((them))
(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2#48069712) |
Date: September 9th, 2024 1:27 PM Author: Titillating range pozpig
There is no point in relaxing because “chill” low-paying jobs don’t exist irl and you’d just get called champ for taking one
The point of FIRE or just building a nest egg is if you get fucked by GC like a Gen Xer and literally can’t find any job anywhere at all, then you can chill and not be homeless.
(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2#48066547) |
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Date: September 9th, 2024 6:07 PM Author: floppy maroon knife athletic conference
i can't tell when people are flaming. $10M is much higher than I'd need.
With 4 kids, I would not be comfortable even semi-retiring (i.e. i take a chill, low paying job just to pay day-to-day expenses), unless I had $2M outside of retirement accounts and no mortgage.
At that point, I'd have enough to get them all to adulthood debt free and be able to help them out financially when they need it.
(http://www.autoadmit.com/thread.php?thread_id=5591218&forum_id=2#48067475) |
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