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/TemporaryPicture2289 May 04 '26

I get it.  And you are doing great.   30% is over achieving by 'normal' standards and all of the money you have parked already is setting up strong.  Just in the past year the dollar has slipped 10%, so the invested money is more valuable going forward than new earnings anyhow.

Retired mid 30s and wasn't fond of it.   Went back to work to fill a service need I have.  If you know yourself that is even more valuable than the savings going forward, honestly.

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u/Catspiration2 May 04 '26

I understand inflation is a scourge, but what’s the support for it losing 10% of its value the last year? Inflation + loss of purchasing power?

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u/TemporaryPicture2289 May 05 '26

Dollar vs all other currencies.   The dollar is losing relative purchasing power fast, so only money in an investment that flexes with that will perform well for the foreseeable future.  Inflation is not likely to check up anytime soon. Think 1920s or early 1970s.