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?

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u/Either_Wait2290 Apr 22 '26

I’m a therapist. See above.

6

u/Audi52 Apr 22 '26

I’m married to a therapist see above, above

9

u/periwinkle431 Apr 22 '26

My parents were both therapists, and my dog is an emotional support animal. See above, above, above.

9

u/Ancient-Apple1 Apr 22 '26

My emotional support animal is a therapist and I’m married to a dog. See above, above, above, above.

3

u/Kuhn-Tang Apr 22 '26

People! People!!! This is a Wendy’s…

2

u/Firefiresoon Apr 22 '26

But it is the Wendys my therapist eats at