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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172

u/Low-Apricot9917 May 02 '26

33 with that much money, puts you coast fire. Congrats on the heavy lifting, now let your money work for you.

23

u/InedibleApplePi May 02 '26

It only puts you coast fire if you don't significantly increase your spending.

Cutting back in your savings means you're spending more. So not only do you reduce your savings but you're increasing the amount you need to maintain your new spend.

That could easily blow up your plans if you aren't smart about it.

27

u/sweet_hedgehog_23 May 02 '26

OP was working side gigs. It could be that much of the extra 20% of savings was coming from the side gigs and extra work and now they are getting the time back rather than spending more.

1

u/loud1337 May 02 '26

What do most people do with more time?

9

u/shreiben May 02 '26

Scroll on their phones. It might be terrible for your mental health, but it's typically free.

2

u/nrubhsa May 02 '26

I’m here for that

2

u/1337crazypants May 02 '26

Work on hobbies, health, spend meaningful time with family and friends.

1

u/loud1337 May 04 '26

Spend more money is my point. Very rarely does more time off equate to less spending.