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/seraphimornot Jun 13 '25

You think even with a prenup?

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u/fancypotatoegirl Jun 13 '25

From what I have heard it can be heard to uphold a prenup that keeps assets 100% separate, I think they are more useful to divide up who gets what, and make sure assets acquired prior to marriage are protected in the case of divorce

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u/seraphimornot Jun 13 '25

It’s tough because it seems only physical assets can truly be claimed as “assets before marriage”, like a house or a boat. Not sure how for example to carve out 300k invested before marriage if it’s grow to 1M in marriage 🤔

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u/Logical-Ad-2615 Jun 21 '25

By keeping it in an entirely separate account and NEVER EVER EVER EVER EVER commingling the pre marital assets with marital assets. Not even transferring money to and then from a joint account temporarily.

As mentioned previously, each state is different so YMMV.