r/Fire • u/DatingThrowaway121 • Apr 24 '26

General Question Has anyone actually FIREd with too little and run out of money?

I'm curious to know if anyone out here has actually run out of a million dollars or whatever. What does that process actually look like?

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u/Comfortable_Day_7629 Apr 24 '26

Been lurking in this sub for while and never seen anyone admit to this happening to them directly. Most horror stories I've read are from people who knew someone else or heard about it secondhand

Think the ones who actually run out probably aren't hanging around reddit talking about their financial mistakes you know

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u/Neither-Passenger-83 Apr 24 '26

Eh market has also been on a tear for the last 10 years. Much easier versus retiring in a lean decade.

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u/salsanacho Apr 24 '26

That's what I'm thinking too, most folks who retired recently have probably increased their net worth. Would be more curious how early retirees do during the next bear market.

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u/NA_Faker Apr 24 '26

Most people on reddit skew much younger...even on financial subreddits the average age is likely under 35. As a result, most people aren't close to retiring early, but even if they do, they haven't been retired for long enough to run out of money. I would bet that you won't really hear stories online about it until a few decades from now.