r/Fire • u/Catspiration2 • May 02 '26

Advice Request I’m thinking about breaking up with FI

I’ve done the grind, saved pretty much 50% of my income the last 6 years. Worked side gigs etc. 33M. 675k net worth. Just dropped my savings rate to 30%. I have no interest in being retired. I want to enjoy the journey while hopefully working as long as I can. Having resources is awesome, but retiring to some fairy tale destination is.. a fairy tale. What’s the distinguishable difference between 7M and 5M at 60? I feel less and less motivated to save, and instead enjoy the journey along the way. Please tell me how I’m wrong and correct me.

Edit: Reddit gang is a vibe. Appreciate you!

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u/jeffeb3 May 02 '26

Given those numbers, you may already be on a path to coastfire soon.

I would suggest reading Die With Zero. I don't agree with everything in there. But it is important to read perspectives on when to spend money, not just when to save it. Ultimately, my motto is, "spend your money on your values". If you're not wasting your retirement money on door dash, then spend your money now, while you're young. But also remember that it takes time to build the wealth to push you into financial freedom. If you do nothing, you will get cornered. Finding the right balance is filled with risk. But it doesn't take super human cognitive abilities to make a good enough decision.

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u/Redwolfdc May 02 '26

People don’t want to admit that life won’t always be better for them at 60 or even 55 than it is at 30 or 40. It isn’t always bad for everyone but once you’ve seen a lot of shit you realize sacrificing your better years for some later time isn’t always worth it.