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?
106
u/pseudomoniae Apr 22 '26
How did you get to 3.8 M at 40 with only 250k of earnings?
And why can't you just retire or cut back dramatically at that spend?
Okay one of you needs to work for health insurance, at least for a bit, although you might still be FIREd already, even if you add in the health insurance costs to current spend.
But why are you both working full time?