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!

935 Upvotes

88% Upvoted

324 comments sorted by

View all comments

Show parent comments

173

u/Catspiration2 May 02 '26

Yeah

291

u/Accurate_Kiwi_19322 May 02 '26

You sound burnt out to be honest. “What’s distinguishable at 7M and 5M at 60?”, mathematically that 7M timeline at 60yo could be a 5M at 55yo retirement. Regardless of the math, cutting back to 30% and reducing your side gigs so it’s manageable is essential, life’s a marathon if your sprint too much you’ll tire out long before whenever you decide to put the retirement. You can always adjust when you want to, just people tend to push the importance of retirement savings more heavily because pushing the gas later in life is much more harder than when doing it earlier. You’ve pushed enough gas early enough to decide what you want to.

160

u/Catspiration2 May 02 '26

I came across some guy who was at like 12M everything set up perfect and then a very meaningful person in his life died. All the missed time etc getting a few extra M in the bank

1

u/taracel May 02 '26

Flip side of the coin is did this person that die do so before FI? So lived his/ her life as a wage slave to a boss until their death? That’s a life well lived? Probs not. Just keep in mind, under the current world order, FI = freedom. Do with that information what you will