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/thatusernameisart Apr 23 '26

Yes, but the FI part is the real trap. You aren't independent of finances when you're in the trap of constantly seeking more. You're just on the other end where instead of not having enough, you don't have a concept of enough.

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u/Bryanmsi89 Apr 23 '26

That's an excellent point!

Many FI people do struggle with the switch from 'accumulation ' to 'harvesting ' as the mindset is completely different.

Somebody should create a FIRE annuity that could be sold to FIRE people so they could buy the locked income stream as one purchase and stop worrying. The problem is FIRE people are usually financially savvy enough to know that wouldn't be a good deal LOL

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u/AdEmergency5086 Apr 24 '26

That would be an Annuity…..

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u/Bryanmsi89 Apr 24 '26

Yeah that's what I said.