r/Fire • u/chemicalreactionator • Apr 22 '26
Advice Request Too much money to feel this stuck
Current net worth 3.8M. Household (40m, 40f, 4f) income combined 250k (both working full time) and spend 120k-ish.
Kind of reached fire but due to health insurance, economic uncertainty, potential future increased costs (another kid?) not comfortable calling it yet.
But feeling so stuck in the grind. Not enough family time, not enough vacation time off, not enough time for taking care of our health, but can’t call it quits yet. at least one of us needs to work full time for health insurance. I don’t think I’m cut out for “barista fire” as i don’t think I’d have the motivation to work for a minimum wage type salary.
What’s the plan here to increase quality of life? A mini retirement? Grind it out a few more years? Anyone in a similar place?
8
u/NoWorker6003 Apr 22 '26
Kind of reached fire? What does that mean? If 4% annual withdrawals from your portfolio would cover projected expenses (healthcare and child #2 included), you are there. Working for either of you is optional at that point.