FIRE Financial Independence Retire Early

How or what kind of health insurance FIRE people are getting when retired early? Is it affordable?

Is there a calculator out there that will compare total initial contributions, total retirement amount (growth over time), and taxes paid depending on how I break up my contributions among Traditional… more

I’m at the point of needing to hire employees for my side gig. I’m trying to figure out which platforms to post my jobs and I’m getting a bit confused by the various pricing structures from Indeed an… more

Got a $30k raise to my base - expecting additional commission comp. The plan currently is to save all the extra money I’m making and fully fund my Roth IRA and place cash into HYSA for a home purchase.

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I made a Roth IRA contribution for 2023 on 12/29/23 and it didn't process until 2024.

Brokerage co classified it as a 2024 contribution and says it cannot be changed to 2023. Any idea how to recti… more

Best HYSA right now?

Buying a lot and putting a modular home (not a trailer) for rental. Worth it?

Any advice for someone 25 making $150 this year I wanna start setting myself up for investing, property, and early retirement outside of my company’s retirement plan?

I feel like a decent investment an… more

Hey! I want to see opinions on how much I should Invest/Save.

I’m currently at a 55/45 split of investments and cash. I have more than enough in my emergency’s fund right now.

I want to know how I should split my … more

I’m feeling very stagnant in my journey. I have a good amount saved up (switching to start investing more than saving), maxing out my ROTH IRA, and very close to maxing my 401k. I didn’t purchase a ho… more

Within the Roth IRA, is it better to invest in S&P 500 index funds or ETFs. Does it make much of a difference either ways? what are some things to consider? I’ll try not to but I might have to wit… more

Do you think now is a good time to buy an investment property in Austin, TX?

$100K cash. Where and how will you invest? Stocks / ETFs which ones and LSI or DCA? What else? Already maxing out retirement funds, 529, no car payments, home mortgage at 2.125%, emergency funds of si… more

Sorry dumb question: why HYSA over treasury if HYSA interest gains are taxable (keep seeing treasury yield is comparable to HYSA)? What is the order of investment vehicles in investing (assuming no de… more

Admittedly odd question here. I am about to purchase a home and was going to put 20% down (with some safety wiggle room) at around the 7% rate. However I just closed a large deal at work that will t… more

Anyone moved to Berlin to early semi-retire from the US

What side hustles can make $3000/month?

Is Roth or traditional IRA better if I’m planning to retire abroad?

If I anticipate buying a property in the next year or two does it matter if I stop contributing to MBDR and save more outside or if I keep contributing and pull from Roth IRA if needed?

I'm leaning towards the… more

Getting relocation cash from a new employer but required to pay back pro-rated if I leave within 2 years. Any ideas where I can pack it at low risk for descent returns? I don’t intend to be with them … more

What assets can be claimed from adult children by nursing homes/medical bills under filial responsibility laws? Trying to protect my savings for my kids

Should I backdoor convert spouse’s Trad IRA contrib into Roth or take the deduction? 2023 was likely last year that we can do a “front door” Roth IRA contrib and / or a deductible Trad IRA contrib bc … more

Can someone help me understand on the thought process of putting $ into global funds, foreign funds, bonds, etc. versus just 100% in an S&P 500 index if you have 15+ years until your retirement ta… more

Hello! Deciding on whether to leave money in a pension or take it out to invest in SPY. Anyone have advice on best approach? More details below...

My wife has ~$33K in a Teacher pension fund. If she keeps it ther… more

Anyone have great resources on the tax game as it pertains to personal finance? What types of investments help you from a tax perspective and how, major pitfalls to avoid, etc.? Websites, podcasts, bo… more

Realized I have significant investments in my IRA through Fidelity in a target fund with a 0.75% expense ratio and want to switch out. Looking for feedback.

Plan to exchange FDEEX for FXAIX or FZROX. I… more

Trying to make sure I understand my 401k (thru Fidelity) rate of return % better. Under “Annualized Return,” I’m seeing a 5-year (as of 12/31/23) return % of 11.44%. Fidelity’s website states that “An… more

Is Empower sucking it up for anyone else right now for their Net Worth tracker? No Fidelity accounts are working. Mine or my wife’s 401k account isn’t updating.

It’s been a tough year. husband not working, balancing a new baby, expecting our second, moved to accommodate more space (increasing rent). I wasn’t able to invest much this year, but I squirreled awa… more

Hey all! I have loved reading and learning from everyone. Was wondering what advice I could get, and where I can optimize my financials. Quite lost on next steps.

I am 27F, live in Raleigh (NC)

$125,000 salary (just got a raise)
$25,000 in 401K (10%… more

What are the other tax advantaged investments that you typically invest in apart from 401k, HSA, Backdoor Roth, Mega backdoor, 529?

25M Chicago single looking for advice as we start the new year

Salary $160k. Biggest expenses are
- Groceries: $310
- Restaurants: $350
- Housing: $2500
- Parking: $260
- Donations: $650 (10% of paycheck after tax and retirement)

Net Worth $20… more

What age are you projecting to reach FI/RE? Projected net worth? When did you start taking FIRE seriously?

I want some advice on my stock/ETF choices - I will be ramping up my investments in 2024 so want to make sure I have a solid plan.

Currently I have the below split
50% - s&p 500
35% - global shares
15% - individ… more

What would you do?
Proceeds from a first home sale - $600k
Current mortgage - $900K @5.5%

Considering I have emergency fund, does it make sense to pay 600k and reduce monthly payments? Right now, I parke… more

Any good CPA recommendation in NJ for tax planning and filing whom you have worked in the past?

(FIRE noob posting for the first time) - dual income HH, HHI around $500k. Net worth is about $1M (About 300k in stocks, 200k in HYSA and 500k in house equity). My SO and I are in late 30s. Two young … more