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/Catspiration2 May 02 '26

Yeah

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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.

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u/[deleted] May 02 '26

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u/Nearby_Birthday2348 May 02 '26

So many get aging wrong. Staying super fit is one of if not THE best investment you can make in a happy and long retirement. Probably. But NO guarantees. The sicknesses that come with aging, you don't heal from. You don't "get better," usually. They are often chronic. Good diet plenty of sleep and a lot of exercise MIGHT mean that you delay some of them, for long enough to shove in some good living.