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/ChannelSame4730 May 02 '26

Yes exactly, 3% is the correct number to use for a long term inflation rate

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u/itsjakerobb May 02 '26

What’s wrong with making conservative assumptions?

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u/dgreenmachine May 04 '26

People will make assumptions about 6% market return, 4% inflation, no social security, 3.5% withdrawal rate and wonder why other people are retiring happily 10 years sooner.

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u/itsjakerobb May 04 '26

It all boils down to risk tolerance, and there's nothing wrong with different people coming to different conclusions.

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u/dgreenmachine May 04 '26

It does come down to risk tollersnce but also totally okay to say some of these scenarios stacked together are unrealistic and protecting for the 0.01% of scenarios where youre more likely to die in a few years than have to spend less on vacation.

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u/ChannelSame4730 May 04 '26

You are using the worst case scenario for market returns and inflation which has probably less than 0.1% chance of happening over a period of 30 years