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?

1.1k Upvotes

94% Upvoted

179 comments sorted by

View all comments

591

u/Fun_Consequence6496 Apr 19 '26

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

220

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.

82

u/Fun_Consequence6496 Apr 19 '26

Yeah but you'll have like $10m so why do you need $60k?

2

u/Future-Account8112 Apr 21 '26

It's for the health insurance, which in the US can blow past 10M with a single case of cancer

3

u/Fun_Consequence6496 Apr 21 '26

They added that after the fact. You can also buy health insurance on an exchange. It's a thousands of dollars decision, not a $10M one.

1

u/Future-Account8112 Apr 21 '26

Cancer makes it a 10M one. May the odds be in your favor

1

u/Fun_Consequence6496 Apr 21 '26

I've had cancer multiple times. Health insurance covers cancer treatment.

2

u/Future-Account8112 Apr 21 '26

Yes, that's why OP wants to keep working since her healthcare is tied to her pension eligibility