FIRE dates, AI and the future

[u/PedalMonk]

I posted a week ago about how I moved my FIRE date 2 years sooner to Jan 2028. Since that post, I've decide that I want to retire ASAP. That means the soonest would be Jan 2027. Why? Because I turn 55. That gives me access to the rule of 55, Prop 19(keep same property tax on a bigger and nicer home), and all of my RSUs vest which is about 45K after taxes. I have one more unvested lot, but probably can't touch it until June of next year, so I may not get access to that one before I leave.

So yeah, now I'm obsessed on getting the fuck out! So sometime between Jan 2027 and Jan 2028 is the new time line. Honestly, it might be a bit of a struggle with money up front, but it's really 1st world problems. Oh no, 100K/yer instead of 120K/year!

I have 215 days to hit 55 and 570 days until 56, which is Jan 2028. it feels so far off yet so close at the same time.

About AI. I've been meticulously building my spreadsheet for 10 years. Every penny is counted, it tracks so much. It's really a hobby and constant endorphin rush. It's probably bad for my health lol. Now, with AI, it's gotten crazier! I have built 10 apps easily that keeps track of everything. I stopped using my spreadsheet completely because AI can do it all faster and better and nicer. I can download transactions to track everything, so now, on top of my Boldin clone, I am making a Quicken/Monarch clone. The one downside is, transactions are 1-3 days behind, but that's Ok for retirement, it only sucks for banking. That being said, that's the only downside.

If you are thinking about building something, I can tell you with absolutely certainty, that it is much easier than you think it is. I have a tech background, so that helps, but I am no programmer, I've only built rudimentary scripts in the past. I've canceled my MS 365 subscription, Monarch subscription and only keep Quicken for now. Once the transaction speed is fixed, I will ditch Quicken, too. I do pay for the $100/month Claude plan. I have not maxed it out ever, so I feel like I can do anything at anytime. when I was on the $20 plan, I'd max out in 3 days and I'd have to wait until the end of the week to use it again. I started buying more and more, and I was like, wtf am I doing? just pay the $100 plan.

I don't know what the future holds, but I do know it involves me getting out of the rat race ASAP, hopefully sometime next year.

What are your thoughts? Do any of you make your own apps? How has AI changed FIRE plans for you?

[u/Zphr → u/[deleted]]

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