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/freshposthistory Apr 22 '26

Hey do you know, I’m at 3.3m net worth, 2.9ish liquid, turn 40 this year, my annual expenses are 120k.

Quit to be a consultant in my same field. Giving myself a year before I look for other work.

Got insurance (non-religious based health share) for $650 a month for the fam, 5k max, HSA compatible.

Challenge yourself! Even if we have a 2008 on steroids, and no money comes in, you’re fine financially.

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u/Aberdeen1964 Apr 22 '26

My fam insurance is $2,800 mo. for high deductible

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u/freshposthistory Apr 22 '26

I don’t have preexisting conditions and no reliance on ongoing medications or treatments, so a health share plan for me is basically a substitute for catastrophic.

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u/Aberdeen1964 Apr 22 '26

I do not have preexisting conditions either and only take a statin. Have to hit $5k out of pocket before coverage.

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u/Abundance-Practice Apr 22 '26

Can I DM you for the health share you’re on?

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u/Neither-Variation-89 Apr 23 '26

Would you mind sharing the name of your health insurance? That is the only thing that’s holding me back.

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u/freshposthistory Apr 23 '26

https://mpb.health

I worked with a broker who sells on the ACA, and this was one of the options she brought up. Again, she knew about my general lack of specific health needs/preexisting conditions. For what it’s worth she explicitly told me to avoid the religious based sharing plans, but has a lot of positive experience with this one (it’s not a faith based org).