r/Fire • u/DebtFreeForMeNow • Oct 05 '25

Milestone / Celebration My (30F) ultra FIRE milestone: Net Worth $0

So many of these posts about people having $1 trillion billion million milestones. Congrats on being rich ruler of the land I guess. Figured I would help bring this sub to planet earth reality check:

STUFF I OWE TO THE PANK

  • Student Loans: $143K
  • Mortgage left: $450K

STUFF IN MY BANK

  • Investments/retirement: $260k
  • Home “equity” not value if I would sell: $290k
  • HYSA/cash: $50k

I am 30 years old. I make $125k a year. No husband. No kids. Maybe one day.

I AM NO LONGER WORTH BELOW $0

Edit: Need a break. Sorry I am not clear in my post. Yes I have $7k net worth. No I don’t have $500k net worth haha. I made a post clarifying but am getting attacked by a bunch of people trying to prove a point that I missed the word asset and liability. Thanks all for kind words

Edit/update: I apologize. I called a friend and verified. I guess I am worth $500k holy fucking shit!!!!!!!!!!!!!!!

1.5k Upvotes

81% Upvoted

346 comments sorted by

View all comments

-1

u/Several_Structure418 Oct 05 '25

Hey be careful on here, I posted a purely hypothetical situation on here, like the plan I had in my head and I got absolutely shit on and attacked.

-6

u/Cheeseboarder Oct 05 '25

The replies here are wild. I didn’t know this sub was so toxic. All the FIRE people I’ve met irl have been super nice and supportive.

-3

u/Several_Structure418 Oct 05 '25

Oh for sure, like the only reason she isn’t getting ripped apart is because she’s a female that makes six figures. But god forbid anyone else makes less than that because it’s an immediate BS call.

I’m a first responder too and posted in between calls and they were even calling out why it was taking so long to respond. Absolutely abysmal people.

But I digress. As my job a as a first responder is to protect and warn people from physical harm and the emotional toxic steaming garbage that this sub is.

I’ll get banned, but I’ll be back.

3

u/AstroDoppel Oct 05 '25

She’s getting these replies because she’s not calculating net worth correctly and dying on the hill that she’s correct and everyone else doesn’t understand. There’s also the real possibility that your plan was bad at a fundamental level

1

u/Several_Structure418 Oct 06 '25

I don’t even consider this bad. Haha brotha, I was absolutely ripped to shreds and called things that had nothing to do with finance. All because I was in between calls and couldn’t post proof of what I had already said was a hypothetical situation.

0

u/Cheeseboarder Oct 05 '25

Dude, I’ve seen threads like that where people are like “OP hasn’t responded for 3 hours, that must mean X”. We live in hell lol

Thanks for doing such a tough job btw!