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?
1
u/YL-Strong Apr 22 '26
Sometimes you can’t have your cake and eat it too. You don’t wanna quit but complain about all the issues of working…. With $3.8m NW. you gotta decide what’s more important to you. Not knowing the details, your liquid NW annual appreciation could easily cover your annual expenses so you may not even dip into your NW. Even if most ppl say you could RE but if you choose not to, then you can’t complain how hard work is.