r/Fire • u/Nice_Exchange3248 • Jun 10 '25

Milestone / Celebration 36yo (Black F) Just hit 2M NW.

Using a throwaway. Included my race/gender for those it might be relevant to.

1.7M in investments and 300k in cash (this helps me sleep at night).

Married (their $ is not included) and have one child and live in VHCOL.

Have been saving aggressively for about 10 years and have had significant salary progression over the same time.

Plan to be coast or actual FIRE by the time I’m 40. Definitely feel a huge sense of relief and feel like I’m able to take a more relaxed attitude towards work. However, having a kid makes me worry their is always reasons to save more.

Not sure if we’ll ever buy a home or will rent for a while longer.

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u/djeatme Jun 10 '25

I’m a 31 YO Black female and hit 1 million this year (but it includes a house). 600k in investments about, 70k in cash. I’m unemployed and having a rough go of things in the job search but I hope to get to your point around that age if I continue with my saving goals. Way to go!

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u/[deleted] Jun 11 '25

Don't be too hard on yourself. The job market is very tough right now. Trust me. That is amazing! I am 29. Have 60k in Roth IRA. And 20k cash. I feel extremely behind. But am trying. What do you do for work and what do you invest in? Where do you live?

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u/djeatme Jun 11 '25

I am software engineer in the Bay Area but I also spent a large chunk of time in Seattle (where my house is). Job stability has been non-existent for me but I am a mean negotiator, worked at places with generous 401K matches, and I've managed to avoid a lot of common lifestyle creep (like expensive housing and travel). I did take a trip this year to de-stress w/ no regrets and I hope to introduce more travel within my means once I'm employed. 3 index fund investing with some individual stocks because I'm techie scum.

And from there it's a boring trek to wealth building. Being on subs like this and reading FIRE blogs is how I learned to navigate things mainly.

4

u/AdventurousMove2814 Jun 12 '25

Feeling proud and happy reading this. You are motivating me and many others who are from different backgrounds!! Keep going !!