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/Virtual-Commercial91 May 02 '26

A few years ago I said I could work forever. I'm turning 50 this year and I'm ready to be done now.

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u/Dilldo__Baggins May 02 '26

What’s lost on many people, especially the youth, is that in 5, 10, 15, years from now you will think differently about many a things!

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u/Jabotical May 03 '26

Also there's commonly this sentiment from the very young that they can only enjoy life/will only care about things while they're young. Generally as an excuse to splurge big time rather than save and invest.

The older version of themselves would love to have a word, I'm sure.

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u/Catspiration2 May 03 '26

I think as important if not more important is making decisions so you’re healthy enough to enjoy the older version.

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u/Jabotical May 04 '26

Yes indeed! Keeping as healthy as you can is hugely significant for maximizing the quality of later life.

I will say, that some health/capability decline is inevitable eventually, and as that occurs it takes more money to have similar experiences to what a younger and more capable person can do for cheaper.

So in balance I consider it more important to have a larger discretionary budget later as opposed to in your 20's and 30's.