financial independence / early retirement

I've been diving deeper into retirement planning and have a question about Safe Withdrawal Rates (SWR) for international investments. The classic 4% rule is often tied to the S&P 500. However, ...

https://www.reddit.com/r/financialindependence/comments/1gmywfg/safe_withdrawal_rate_for_international/

Hi all, with an S-Corp and a Solo 401k, can I deduct the 401k contribution and deposit it at a later date without any issues? I may need to possibly run payroll 11/30 and deposit in December, abs...

https://www.reddit.com/r/financialindependence/comments/1gmwvc8/solo_401k_contribution_question/

Hey everyone, I just hit $100k net worth today at age 22. This is a massive milestone for me, and I felt like sharing it here because I don’t really have anyone in real life I can talk to abo...

https://www.reddit.com/r/financialindependence/comments/1gmp9qp/just_hit_100k_net_worth_at_22huge_milestone_for_me/

Hey everyone, I'm single, still renting, and this year's been tough since I’ve been unemployed for most of it. But despite the challenges, I just hit $1 million in assets for the first time, th...

https://www.reddit.com/r/financialindependence/comments/1gmme2j/39m_from_0_to_1_million_net_worth_in_less_than_10/

I know people are far ahead of me in this subreddit but I am so excited. I was raised in a lower middle class family where credit cards were the norm. Saving for retirement was an afterthought. W...

https://www.reddit.com/r/financialindependence/comments/1gmjam3/30f_just_hit_100k_in_retirement_savings/

Please use this thread to have discussions which you don't feel warrant a new post to the sub. While the Rules for posting questions on the basics of personal finance/investing topics are relaxed...

https://www.reddit.com/r/financialindependence/comments/1gmf5oj/daily_fi_discussion_thread_friday_november_08_2024/

God willing, we're planning to have our first child next year and are deciding between these two health insurance plans - what would you select with the assumption that we'll likely hit the out o...

https://www.reddit.com/r/financialindependence/comments/1gm8ews/health_insurance_high_deductible_vs_ppo_plan_when/

Don't really feel comfortable sharing this with people I actually know, but wanted to share with someone! This is a post I've been waiting to make for a while, didn't think it'd come so quick :) ...

https://www.reddit.com/r/financialindependence/comments/1gm540q/right_before_my_27th_birthday_just_reached_500k_nw/

A Long Story of a 5 year sabbatical that started in 2014, the original thread can be found here . Those 5 years were some of THE BEST years of my life. I was dirt poor, but WEALTHY with time and ...

https://www.reddit.com/r/financialindependence/comments/1glxzhu/tasted_fire_with_5_year_sabbatical_looking_to/

As 2024 comes to a close, the time to rebalance comes closer and closer. I'm no stranger to re-balancing, but after the stellar performance of this year, my equities are taking up a huge chunk of...

https://www.reddit.com/r/financialindependence/comments/1glswo7/buying_bonds_never_feels_great_so_how_do_you/

Please use this thread to have discussions which you don't feel warrant a new post to the sub. While the Rules for posting questions on the basics of personal finance/investing topics are relaxed...

https://www.reddit.com/r/financialindependence/comments/1gln2s4/daily_fi_discussion_thread_thursday_november_07/

A somewhat popular book within the FIRE community is Die With Zero by Bill Perkins (2020). In the book, Perkins does his best to convince the reader that life is short, and instead of maximizing ...

https://www.reddit.com/r/financialindependence/comments/1gldywk/deathbed_regrets_and_how_to_avoid_them/

29 years old with 300k in net worth as of today. Was tracking NW here and there throughout the year and got lucky with fluctuations recently. Here's the breakdown: $232k in IRA/HSA/brokerage (M...

https://www.reddit.com/r/financialindependence/comments/1gl9mky/29m_300k_networth/

Okay, so I wanted to start a post to discuss how people are planning for the possibility of no longer having an ACA Subsidy. Please do not bring up anything political in regards to this, just abo...

https://www.reddit.com/r/financialindependence/comments/1gl02dd/discussion_possibility_of_no_aca_subsidy_no/

As a reminder, general political discussion is prohibited in this subreddit. Discussions about ENACTED (not proposed or theoretical) policies are still allowed, however general talk about electio...

https://www.reddit.com/r/financialindependence/comments/1gkyord/reminder_no_political_discussion_in/

Self-promotion (ie posting about projects/businesses that you operate and can profit from) is typically a practice that is discouraged in /r/financialindependence , and these posts are removed th...

https://www.reddit.com/r/financialindependence/comments/1gkv4ay/weekly_selfpromotion_thread_wednesday_november_06/

Please use this thread to have discussions which you don't feel warrant a new post to the sub. While the Rules for posting questions on the basics of personal finance/investing topics are relaxed...

https://www.reddit.com/r/financialindependence/comments/1gkv4ag/daily_fi_discussion_thread_wednesday_november_06/

what are your thoughts on it? Am on the fence. It seems to be more expensive to have children these days, as coming from an Asian country, you would provide for then far beyond 16 years of age ty...

https://www.reddit.com/r/financialindependence/comments/1gkucjl/does_the_dink_life_mean_accelerated_fire/

Right now I have a roth IRA and no balance in my traditional/rollover IRA accounts. I was going to roll over my 401K and park it in the Rollover IRA ($400K). The only downside I can see is if I w...

https://www.reddit.com/r/financialindependence/comments/1gkdwcv/got_laid_off_any_downside_to_rolling_over_company/

I've had analysis paralysis regarding the mix of asset classes of stocks in my asset allocation. My goal, like most, is to pick and stick with an asset allocation that provides the most compensat...

https://www.reddit.com/r/financialindependence/comments/1gkdupx/asset_allocation_theory_question_vtwax_vs_asset/

Hi All TLDR: 6-years into FIRE journey "as planed". Fell in love and now live gets complicated. How to balance FIRE in relationship and the question of kids or no kids with an ideal job/commuti...

https://www.reddit.com/r/financialindependence/comments/1gkbb3q/6_years_into_the_firejourney_reflections_on_life/

I'm currently maxing my Roth IRA and investing in VTSAX and have my trad 401k going strong in index funds. I also have a taxable brokerage im looking to build up so I can use that to help fund ...

https://www.reddit.com/r/financialindependence/comments/1gkaheg/what_to_hold_in_taxable_brokerage/

Please use this thread to have discussions which you don't feel warrant a new post to the sub. While the Rules for posting questions on the basics of personal finance/investing topics are relaxed...

https://www.reddit.com/r/financialindependence/comments/1gk3bf2/daily_fi_discussion_thread_tuesday_november_05/

I'm back six months later for an update on achieving some type of financial freedom. I’m going to keep this short and sweet. I want to see if this plan I have to follow once the new year starts...

https://www.reddit.com/r/financialindependence/comments/1gjvuiv/post_college_financial_freedom/

Hi all, just looking for a bit of general advice or thoughts on this. I'm 45, financial stability, nothing remarkable as a do or a don't there. Basically, I save so that I can max my 401k annuall...

https://www.reddit.com/r/financialindependence/comments/1gjfx1d/allocation_funds_to_401k_or_individual_stock/

Good morning all! I’m trying to think through a new idea, but I am sure that some of you here have already thought it out. Would you mind sharing your thoughts? In theory, if someone has a ...

https://www.reddit.com/r/financialindependence/comments/1gjd2ra/72t_distributions/

Please use this thread to have discussions which you don't feel warrant a new post to the sub. While the Rules for posting questions on the basics of personal finance/investing topics are relaxed...

https://www.reddit.com/r/financialindependence/comments/1gjasvw/daily_fi_discussion_thread_monday_november_04_2024/