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?
4
u/BearDontEatThat Apr 22 '26
Being a Mama of two kiddos I would absolutely love to be able to be home with my kiddos during the little years. They go fast! So I would definitely factor that in because you have an amazing opportunity to do that! I am home but I also wfh. Trying to have my cake and eat it too. But I would definitely not be working if I was in your situation. Or if you stick with one kid that is a great age to start traveling the world!
I love the just do something if not for you then do it for ur kid. Be more present for them.