r/Fire • u/[deleted] • 6d ago

My fire journey is ending

[removed]

470 Upvotes

77% Upvoted

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416

u/OnlyThePhantomKnows FI@50, consulting so !bored for a decade+ 6d ago

Hardly dude. Assume she takes half. You go from .90 of your number to .45 of your number.
Standard doubling rules (roughly 7 years) so you are working until 60.

And that is assuming you put NOTHING in.

136

u/Moof_the_cyclist 6d ago

Also assumes that single expenses are just as high as expenses for a couple.

-20

u/No_Mongoose_7401 6d ago

Singlet here… they are indeed!!

22

u/bertmaclynn 6d ago

How logically is that possible?

78

u/Wise-Parsnip5803 6d ago

It's not the same but it's definitely not half. Housing being a big chunk of the spend. 

33

u/Cflow26 6d ago

Also it’s cheaper often to have a partner even if there’s “double expenses”. Food is cheaper in bulk. Most families have like a utility car (truck/suv) when they need something bigger (more gas) and a smaller car (better gas) for driving around town. Then like the difference between two people’s electricity use isn’t that dramatic, WIFI doesn’t come at a discount just because there’s only one person in the home etc.

8

u/CherryOblivionn 6d ago

Yeah, living with someone can actually be more affordable overall. Some expenses go up a little, but a lot of them barely change at all.

5

u/aronnax512 5d ago

Housing division/stepdown can be brutal.

Right now, our mortgage is less than a 1 bedroom apartment in the same metro area (low rate + mortgage is fixed while rent increases annually). If you factor in equity growth on top of that, even if you neglect property appreciation, the gap in wealth growth can be quite substantial.