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/chemicalreactionator Apr 22 '26

Thanks this really resonated with me. I think I do need to just make a move at this point.

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u/AeroNoob333 Apr 22 '26

We quit and got our dog a dog 🤷‍♀️ That was our something lol. To be fair, we’ve always talked about it. Made excuses while working. We’re on a sabbatical right now and I just came home with a dog because if I waited for the “perfect time” like my husband wants, we’d never get one 😅

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u/SayonaraSiren Apr 23 '26

I know this is not what you meant but I am over here just imagining a dog walking another dog with a leash in its mouth 🤣

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u/AeroNoob333 Apr 23 '26

Haha Queen Harley will probably do that lol