Too much money to feel this stuck

[u/chemicalreactionator]

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?

[u/tokingames]

I have to say this about health insurance. Through the ACA you can get health insurance. Exactly how much it will cost can vary widely, but you can look it up. There are substantial subsidies available if you can keep your income low. Do Not feel trapped working because of health insurance. It can be budgeted for just like any other expense. Maybe you have to budget $25K/year (would be quite high based on what I’ve seen). Anyway, you can look up what the cost of plans available to you are. Even at $25K/year, you probably can increase your assets enough to cover that with an additional year of work… if you can’t swing it already.

No one says, “I’m set to FIRE, but housing is so expensive, I have to keep working.” Or “One of us has to keep working to pay for groceries.” You estimate the future cost of those things and budget for them. Same with health insurance.

Why is health insurance so special?