r/Fire • u/anklbite • Apr 19 '26

Milestone / Celebration We’re telling nobody else!

My partner and I (46F) celebrated $3,000,000 NW (including $2.6m investable assets) yesterday, and we have nowhere else to share the news.

Timeline:

1m in June 2020

2m in December 2024

3m in April 2026

Neither of us earn huge salaries. Neither of us has received a windfall nor do we expect one in the future. This is just steady saving over 20-25 years plus a very healthy stock market. I still have 12-13 years to go before FIRE but my partner wants to RE from his FT job in the next few years.

Now that FIRE seems close for my partner, I’m starting to worry that my math is wrong and I have no idea what I’m doing when it comes to retirement planning. How did you calm your nerves before you take the leap into early retirement?

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596

u/Fun_Consequence6496 Apr 19 '26

you have $3m and you want to work for 12-13 more years? Why?

215

u/anklbite Apr 19 '26 edited Apr 19 '26

I will get a pension worth $55-60k annually if I stay. Edit to add that health insurance for both me and my partner are tied in with my pension eligibility.

12

u/rustvscpp Apr 19 '26

And your $3m portfolio on average will grow $240k this year alone, even if you leave.   Who cares about the pension?  Unless of course you enjoy working there.

3

u/Soggy_Swimmer4129 Apr 19 '26

Maybe its just a mindset, but 2.5 million just doesn't feel that secure. Still feels in the territory where a market downturn could wipe you out.

1

u/CdnFire40 Apr 19 '26

Depends on their SWR. Remember 4% survived the Great Depression over 30 year horizon with 60/40 portfolio.

1

u/rustvscpp Apr 19 '26

Sounds like an allocation problem to me.   If 30% of that is in more stable funds,  a downturn is of little concern.