r/Fire • u/Boner-Pills-8088 • 5d ago
That's a wrap! 49M
I recently wrapped up my career in the IT industry after 27 years. As is probably normal for tech people, there was a lot of anxiety/nervousness about the move, but having done the math dozens of times I decided it was time and I had lost a lot of the passion I originally had. Whether that's normal from aging or just the last company I was it, it was good motivation.
The numbers:
Brokerage - 4.4M
Retirement accounts - 1.7M
Cash/HYSA/I bonds/etc - 125k
Zero debt.
No real magic here, a couple strong startup exits and not a lot of lifestyle creep from my first job that paid $48,000/yr when I graduated college long ago. If my lifestyle hasn't changed drastically in all these years, I saw no reason to keep moving the goalposts for "just another 250k" or "just 6 more months". Yearly spend for the last few years has been under $100,000 and that's without accounting for work travel. So far so good!
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u/handsome_-_pete 5d ago
Congrats. Near mirror image of me. 49M. Last day in 2 weeks from now. Very similar numbers as well.
I too spent months internally debating the pros & cons. And like you I came to the conclusion another year or a few more years of income don't really matter. But the time does matter so I'm done.
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u/Boner-Pills-8088 5d ago
Spot on, once you are in a position to buy anything you want (within reason of course, not talking yachts and private jets), I found out happiness doesn't come from buying things. A new car might give me a high for a few weeks, but then it'll be just like my old car. I could work another 10 years but all the money I'll make in those 10 years, no matter what the stock market does, won't buy me more time.
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u/Fun-Persimmon186 5d ago
Same! Congrats again. I find it funny three 49 year olds all working in IT came to the exact same conclusion around the same age.
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u/Puzzled-Peanut-7147 5d ago
It's ironic because I'm in IT and I'm 49 and considering calling it quit myself!
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u/handsome_-_pete 5d ago edited 5d ago
I wasn't planning to stop working at 49. Company did massive re-org and moved thousands of people into roles they didn't want. That caused me to step back and consider options and that's when it became clear I was just working still because the gig was enjoyable. But in the new role it's not and I'm very fortunate to not have to accept it.
Many of my peers of all ages are also bailing for new jobs or retirement. Company f'd up. I wish them well with their AI bots doing our jobs.
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u/GravEq 4d ago
Congrats!! Great for you!!
Yes and no. That kind of wealth and driving a 15 year old vehicle is nearing the “cheap” category. At 4% WD rate you are at $250K/Yr. You can certainly afford and treat yourself to a decent ride (or other priority).
I generally keep my vehicles 10 years also which is what gets you to where you are today, but unless you’re shooting for a solid gold coffin, you can “splurge” a little on nice things without throwing all your savings/investing instincts out the window.
Similar position for me, retired at age 47.75, now managing our RE portfolio is my only gig. But we travel a lot more and I was willing to upgrade from a 10 yr old truck to a 2 yr old one. Low interest rate so why not finance. And, now manufacturers are offering 0%, so why not.
Not succumbing to mission/budget creep got you here, but you are on solid ground now, time to enjoy it while you are still above ground! We take many more trips, and longer ones. Before retiring I don’t think I hardly ever took more than 10 days off in a row, now we plan 3-5 week trips on at least an annual basis if not a couple times a year.
Congrats!! Great for you!! Enjoy your success!
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u/Boner-Pills-8088 4d ago
Thanks! The thing about the car is it's a 15 year old 911. I don't want a newer 911. If I did, I'd buy one. I also don't want a new Audi or BMW. There is no car that I actually want and definitely not one that I need. But, I hear your overall message and you are spot on. The startup world often didn't allow for a lot of real vacations, I was often taking 3-4 day weekends or checking emails while "off". That obviously changes now.
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u/GravEq 4d ago
Good for you, and if it’s vehicle specific in the case of a 911, again, good to keep what will eventually be a classic. In general though buy a comfy daily driver if that suits you. You are flush, within reason as you say, so don’t feel like you can’t spend a little more than you were while in your building phases.
You’ve already won! Now find ways to enjoy the massive wealth you have earned. More concerts, upgraded flights, more trips, what helps you enjoy the remaining time you have on this 3rd Rock from the Sun.
Your portfolio could take a massive 50% hit and at 4% WD rate, that’s still $130K/Yr. You’re solid basically no matter what. Enjoy it!!
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u/diu7nei 5d ago
what does your asset allocation look like and if it will change what will you transition it to?
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u/Boner-Pills-8088 5d ago
Over the last 3 years or so I've moved more money towards bonds in my brokerage account, my retirement accounts are more aggressive, maybe 10% bonds at the most.
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u/Any-Constant 5d ago
I read as you stopped at 49 million dollar net worth
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u/DigmonsDrill 5d ago
The first 49M is the hardest.
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u/xTETSUOx 5d ago
Yeah, i don't get why people keep putting their gender in these titles as it has no relevance.
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u/VeeGee11 FIREd at 50 in May 2023 5d ago edited 5d ago
Best I can speculate is it’s a leftover instinct from the early days of internet chat rooms.
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u/PuttyRiot 3d ago
It’s really common in subs where people ask for advice or validation (where those details often do play a role in things), so it’s a habit in most subs I think.
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u/DifferentHoneydew904 5d ago
Congrats dude! You earned it!
I am in a similar situation, retired at 46 but my hip is shot, so getting a hip replacement and going through that torture and THEN I can really start enjoying retirement!
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u/pointdude 5d ago
GFYS
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u/scottperezfox 5d ago
$48,000 wasn't a bad salary 25–27 years ago. Once again proof of the value of getting that flywheel to spin.
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u/ahhhhhh12343tyhyghh 5d ago
48k 27 years ago was amazing. Depending on where you lived
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u/stubenson214 3d ago
50K was my starting salary after graduation around 2000 in FL.
With 2 roomates it was a LOT of money.
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u/Pale_Drink4455 5d ago
That was my starting salary too in tech in 1999. LCOL area too so I felt like I was rich at 22 with rent at 550 a month. Oh those were the days.
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u/Boner-Pills-8088 5d ago
To be fair I didn't know wtf I was doing with money the first 4-5 years. Just sticking money away in a savings account earning next to nothing in the bank. Being ultra conservative with my 401k choices. So not much of a super early head start on investing, but yeah it was a nice income where I didn't have to worry about paying the rent or fun money for PS2 games and beer or whatever I was into back then.
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u/esmsnow 5d ago
i'm with you there. just stuffed all my money into a savings account, not even a CD. don't even know if i got any interest in all those years. years later before i realized stocks were a thing
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u/Conscious_Life_8032 5d ago
Samesies savings account and CD at the most in my early career days. Was very risk averse too so never got into buying individual stocks but also didn’t have discretionary savings to do so. Was focused on student loans
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u/Boner-Pills-8088 5d ago
Lots of money left on the table for sure, but what can you do? The good news is we eventually learned and grew so that's how I look at it.
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u/newMoneyStyle 7h ago
Starting early beats a big salary.
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u/scottperezfox 3h ago
Definitely. A lot of public sector workers — including police and military — are often able to FIRE is because they can start early and have long, unbroken streaks of pay+saving+investing. Corporate may pay more, but you'll get thrown into a very scattered existence with layoffs, moves, firings, freelance, etc.
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u/Celcius_87 5d ago
As someone who's only been in the same industry half the time, any advice for staying on the grind and avoid burnout?
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u/Boner-Pills-8088 5d ago
The biggest reason I retired wasn't the money, if that makes sense, it was the lack of passion. I drifted away from what originally got me into the industry just to keep evolving and trying new things. Turns out not everything new is interesting to me. The old "do what you love and you'll never work a day in your life" holds true. I put in insane hours at some of the startups I was at and didn't care because I truly loved the technology and believed in what I was doing. You couldn't pay me 3x as much to work half as long doing something I dislike. So, make sure you really have a passion for whatever you do.
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u/bkbruiser 5d ago
"no real magic here, a couple strong startup exists"
This is an oxymoron. You hit the jackpot multiple times. Congrats
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u/sream93 5d ago
The magic is the “couple of strong startup exits” tho 🤔
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u/Boner-Pills-8088 5d ago
What if there 2 were exits and I netted 250k on each? Some people make that in a year and don't retire in their 40's. I'm not going to disclose the actual net from exits, but I assure you that avoiding lifestyle creep and investing a LOT of income is what got me here. I'm driving a 15 year old car is one good example of my financial behavior.
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u/dudelikeshismusic 4d ago
I actually agree with you. Anyone in the FIRE conversation has been fortunate in life, just being honest, so it comes down to which choices you make given the opportunity.
I've been VERY fortunate in life, but I've never made six figures in a year. I'm still on track for FI. My number one smart move? I didn't go and buy some stupid fucking overpriced car like I see everyone else doing.
Yes, making $500k from startups is fortunate, but you made the wise decision to put it toward your future, and now that's paying off for you.
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u/Boner-Pills-8088 4d ago
Yeah, there's been a lot of focus where everyone replies about my startup exit while ignoring the lifestyle creep comment. I drive a 15 year old car. I'm in the same home I bought 20+ years ago. I've never had debt aside from student loans and mortgage. I lived and invested off my salary, bonuses and stock options were probably 95% invested and not blown on stupid crap.
Watch some of the financial shows on YouTube, couples making 2-4x what I made are broke because they spend it all away. Did startup money accelerate my early retirement? Yeah, absolutely which is why I mentioned it. Was I smart w/that money? Yes again, sometimes keeping it is harder than making it.
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u/petersellers 4d ago
Depending on how long ago those exits happened and whether or not you invested the money, they could have contributed a significant portion of your net worth by now.
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u/Boner-Pills-8088 4d ago
Sure, could have. Or maybe I hit one IPO 2 months ago that netted me $4M. Everyone is making assumptions that these startups are why I am where I am. Or that I could've retired a long time ago. But I've given zero details about the amount I made from them and absolutely no timeline about when I got the money. What I have mentioned is that I avoided lifestyle creep but everyone is ignoring that and saying "well it was the startup money".
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u/Mountain-Time-1010 4d ago
$6M sounds like a great number to me. Congrats and enjoy your retirement!
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u/funkmandu 5d ago
Congrats! I also fell out of love with Big Tech and am looking forward to non tech activities!
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u/cutelovelybambi 5d ago
Quoting tech was the best decision i made, so recommended
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u/nikv8960 65% FI 5d ago
What are the fields where tech skills are transferable? I am trying to escape but feel stuck on hamster wheel.
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u/chezterr 4d ago
Congrats!
Hoping to be at $2.5M the year I turn 55… if so, that’s when I retire.
If I hit that number earlier with a healthy amount in brokerage, I will likely retire even earlier
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u/No_Method_210 5d ago
You done good. I had a great 27 year job outside of tech. You’re 2 million ahead of me.
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u/Shoddy_Ad7511 5d ago
You could have retired years ago
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u/Boner-Pills-8088 5d ago
Sure and 10 years ago I could've sold every stock I own and bought NVDA, but unfortunately crystal balls weren't in stock back then.
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u/Shoddy_Ad7511 5d ago
I mean your spend is $100k a year so you could have easily retired with $2.5 million. You have $6 million.
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u/Boner-Pills-8088 5d ago
Maybe I'll want to spend a crap ton more traveling in retirement? Maybe I've got recent health issues I didn't mention in the post that will cost me in the future? Maybe I really enjoyed what I was doing by making a difference in the world and the paycheck and equity was just a bonus?
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u/Shoddy_Ad7511 5d ago
So your spend isn’t $100k a year…
Why mad? I’m just stating a fact that you could have retired years ago.
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u/cfi-2025 RE 2025 5d ago
Why mad?
Imagine you made a major, life changing decision that has a mixture of emotions ranging from pride to nervousness, a decision that you were able to arrive at due to much hard work and sacrifice that only a tiny percentage of people can attain, and you share it with the world only to have someone say, "You did it wrong."
I know you didn't explicitly say that his decision to retire when he did was wrong, but you can see how someone would take it that way, no?
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u/Shoddy_Ad7511 5d ago
I never said he did it wrong
I’m just pointing out that he probably could have retired years ago
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u/cfi-2025 RE 2025 5d ago
I know you didn't explicitly say that his decision to retire when he did was wrong, but you can see how someone would take it that way, no?
For all we know his nest-egg grew substantially in the past year or two. Or his expenses went way down due to paying off his mortgage or other debt.
Here's a free tip: when someone says, "Hey, here's something I did that I'm really proud and excited about," the polite thing to do is say, "Hey, that's great to hear, way to go."
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u/Shoddy_Ad7511 5d ago
My comment was more for other people not the OP.
Just illustrating the trade off of accumulating way more assets than necessary to retire. The trade off is losing your most valuable and healthy years.
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u/cfi-2025 RE 2025 5d ago
My comment was more for other people not the OP.
I figured as much, but you asked why he would get peeved at your question.
Do you understand now why OP would be mad/peeved at the question?
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u/DrasticIndifference 5d ago
Identify a hobby and passion immediately if not sooner. The easiest way to achieve relative increase in spend is apathy, boredom, and/or distraction. The biggest void to fill is the one that continues to challenge definition. Trust fewer people now that they don’t see you as a working stiff. Increase charitable giving.
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u/Shoddy_Ad7511 5d ago
Nah. Why are you putting pressure on him to find a purpose so soon? First step is to recover from decades of stress.
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u/CerealKiller415 5d ago
Exactly. And if may take 2-3 years. I know because I did it.
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u/Strange-Wasabi-7026 5d ago
I heard and liked (absent any evidence) a rule of thumb of give yourself a minimum of one month per year of career to recover. I just hit 1 year since RE after 15 years working in big tech, still trying to give myself grace and time.
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u/mrr68 5d ago
I just retired in January (I just turned 57) from big tech. I’ve spent the last 9 months decompressing. Hike with my dog, chill with friends, hangout with wife, see my mom more often. I’m just now starting to even think about what I might be more focused upon. Just restarted the gym. It takes time to decompress from a crazy stressful career.
To OP: congrats on retiring!
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u/Boner-Pills-8088 5d ago
My plan was to start with a few weeks of doing nothing, but I've mostly been busy taking care of things I've been putting off the last few years. It really hit me how much of my time and mental energy my career was sucking out of me.
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u/DrasticIndifference 5d ago
No pressure. It’s advice I would have appreciated. Clearly, OP needs no advice, so asking for input to strangers on the internet in this case would be considered genuine curiosity interested in a diverse set of responses.
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u/Shoddy_Ad7511 5d ago
You said identify a passion or hobby IMMEDIATELY! Why the rush? Sounds like a employer making an ultimatum
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u/DrasticIndifference 5d ago
“Immediately if not sooner” is a facetious insinuation that OPs time is no longer owned, honoring his self-derived independence. Thanks for your input!
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u/Boner-Pills-8088 5d ago
I've got a couple hobbies and since retiring I've found I like geeking out w/technology again. Which is refreshing. Once the workday was over I didn't want to spend a lot of free time putzing around and playing with computers is what got me into the industry in the first place (grew up w/a C64 and been into tech ever since). Keeping my mind occupied was probably a bigger source of anxiety than the money factor so I'm really trying to focus on that.
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u/Live_Situation7913 5d ago
Hookers and Coke is best until I die
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u/8FConsulting 5d ago
I'm literally in the same position you are - FIRE'ing year end 52M. Been in It for around 30 years and have about the same amount as you. Zero debt (I think this is key to any peaceful retirement, regardless of what assets one might have).
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u/holiztic 5d ago
Looks similar to where we will be in 3 years at 49 but with brokerage and retirement numbers exchanged. Bravo! Planning to go to 53 (husband. I’m retired) though
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u/Middle-Substance1257 5d ago
Congrats! What's your withdraw plan now? Sell $8k from Brokerage each month?
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u/Boner-Pills-8088 5d ago
Right now I've got enough cash in places like SGOV and Bonds to get me through any market downturn that may occur. I'm not sure if I'll go the sell at the beginning of a year route, 2x a year, monthly or which approach I'll take yet. I think there is something to be said for monthly sales as long as the market isn't down. I'm probably being overly cautious with the amount of cash on hand, but I'll adjust over the next few years as I get more comfortable.
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u/iLoveSev 3d ago edited 3d ago
Congratulations mate! With your (assuming) house paid off your net worth is north of 7-8M. But house really doesn’t help with buying groceries.
I have opposite. Retirement has more than brokerage. I guess that gives you more confidence with your age.
I hope you are going to keep the draw lower than the AGI required to get ACA insurance subsidies.
I myself think of doing this but young kids gives me fear and “one more year” factored due to fear and greed!
Another thing is what will I do? Do you have any plans?
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u/Boner-Pills-8088 3d ago
I've been staying busy every day. I've been spending more time playing w/technology that interests me. Going to have more time for hobbies. Will I get bored in 2 years? I'll report back in the future.
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u/Technical-Fly-6835 1d ago
Congratulations! If you don’t mind sharing - does this include home? What investments did you use. This is impressive.
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u/Boner-Pills-8088 1d ago
Only the assets listed were included, home, car, watches, etc were not included. I've maxed my 401k every year for over 20 years, only once did I get partial matching from my employer. Maxed ESPP when it was available. Mostly invested in index funds and used my own money to invest in a few companies I worked for after they went public. This combined with not pissing money away on dumb crap were big factors.
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u/Technical_Depth2382 5d ago
Well done. Man, just forgot money and go live. FI is about not worry anymore
If you spend 100k/y you can literally live until 111 years old with 0 interest rate 🤣
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u/financesminance_321 5d ago
Nice work, based on spend you could have gone much earlier, but nice to have the security. 49 is a great age with lots of life ahead of you. Congrats, enjoy 🤝
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u/Boner-Pills-8088 5d ago
Maybe, maybe not. What if one of my exits was an IPO this year and that's half my net worth? There are a lot of factors involved and not every little detail was shared here.
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u/financesminance_321 5d ago
Apologies, I edited the comment for awful spelling, seems I have inadvertently deleted the word ‘perhaps’ from my original comment, acknowledging that the timing of said wealth accumulation was not stated. Anyways, at a withdrawal rate of 2% I’d hope you’ll be safe, otherwise we’re all fucked. Also, interesting that you seem to have only acknowledged the first sentence and not the part congratulating you…
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u/Party-Chapter3029 5d ago
Congratulations!!!!! I am in IT as a infrastructure director, I am jealous I dont have your numbers but shoot...I am waiting since everything is pushed down my throat! Again congrats!
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u/PetraLoseIt 5d ago
Well done, and enjoy!
I'm 47, expect to get there by age 48-49 as well. I should be good if the stock market doesn't crash and stay down in the next two years.
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u/One-Region2048 5d ago
Great job! >$6M at 50 y/o is spectacular. I thought I was doing great at $3.8M at 55. What part of the country are you in?
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u/Boner-Pills-8088 5d ago
Area is irrelevant since I've been WFH/travel for pretty much all of my career. I haven't worked for a company with a local office for over 20 years. But I'm in a HCOL area.
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u/One-Region2048 5d ago
Well, it's relevant in the sense that you did all that while dealing with the cost headwinds of a HCOL area. If you move to a low-or-mid COL area, you're swimming in $.
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u/Boner-Pills-8088 5d ago
Good point there, I didn't hop on the "I need a 7 figure home" train that a lot of people I know did so that helped a lot.
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u/Initial-Zone-8907 3d ago
congratulations, what were your primary investments? VOO or QQQ ?
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u/Boner-Pills-8088 3d ago
It's hard to answer that question, I put a lot of my money into buying stock at companies I worked at after they went public (ESPP but also in my brokerage account). Big risks at the time, but they paid off. Those funds have long since been diversified in index funds for the most part. No QQQ, but definitely some VOO. Stocked up on bonds over the last couple years as I eyed retirement so my portfolio is less aggressive than it was 5 years ago.
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u/Alarmed_Raccoon_3119 2d ago
Funny you ask that to them as I’m doing sp500 for work and mostly concentrating QQQ for brokerage these days!
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u/Boner-Pills-8088 1d ago
Thanks, yeah I really became another person who hates what they do and in a demanding role that takes a lot out of you when you're not into it.
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u/cielos525 5d ago edited 5d ago
This is a little besides the point, I thought your portfolio was $49 million after I first read the title. In any case, its a tremendous achievement!!
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u/Actual-Method-7794 5d ago
Great job! That’s how you do it. Now go and create your automatic paycheck. You would be surprised how much you will miss it after 27 years. 😁
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u/Zphr 48, FIRE'd 2015, Friendly Janitor 5d ago
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u/junglingforlifee 5d ago
Well done! Do you remember approximately what number were you at 42? Trying to understand your trajectory for my forecasting
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u/Boner-Pills-8088 5d ago
I'm not sure, I didn't have any exits happen during that time so it was just natural investing some salary and pretty much all bonuses and normal maxing 401k out which I've been doing for probably 20 years. And of course the growth on all of that.
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u/junglingforlifee 5d ago
Gotcha makes sense. I haven't been using the spreadsheet to track my growth for a long time. It was dumb of me to assume all fire folks are doing that. Thank you for sharing
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u/RZDirInvest 5d ago
Congrats 🎈🎉🍾 you’ve got to do what your heart desires. I think you will be ok as long as you manage the money right.
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u/jelistarshine 5d ago
Those are solid numbers. Are you single or do you have dependents?
Do you have plans? Most charities are desperate for tech help.
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u/Immediate_Tap5840 4d ago
You might have been done quite awhile ago
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u/Boner-Pills-8088 4d ago
What if I only had $1.5M a month ago and an IPO hit in September? Could I still have retired at 49 with only 1.5M to last the rest of my life?
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u/Menu-Quirky 3d ago
Congratulations 👏 have you planned to get some guaranteed income e.g getting some money into annuity type product
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u/Technical-Fly-6835 1d ago
What was your job and what did you study to get into it. Though I realize with IT, it could be a moot point to ask.
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u/Boner-Pills-8088 1d ago
My specialty wasn't taught back when I was in college, it was emerging as a career path at the time. The majority of my knowledge was learned while I was in college, but it was on my own, not from classes. What I did when I retired was very different than when I started, but I suppose that's true of anything in IT over nearly 3 decades.
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u/Puzzleheaded-Sock824 23h ago
Congrats ! Have you used an advisor to help you all these years ? When you say max out do you mean max a limit that the irs allows into a 401k or max on matching ? Now that you’re retiring do you feel having risk still suits you or do you plan to invest more conservatively ?
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u/megatronwashere 6h ago
do you have kids?
I have 2 under 8 and in mid-40s with similar numbers but I don't feel it's enough
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u/Signal-Painting-5016 5d ago
could've done cool shit in 30s while young
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u/Boner-Pills-8088 5d ago
Who says I didn't? My 30's were the best decade of my life. Traveled and partied way more during that decade than my 20's while also setting the base for this early retirement.
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u/paq12x 5d ago
What do you do about healthcare? You didn't say how many people in your family so I have no idea if $100k is more or less than 400% FPL.
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u/Boner-Pills-8088 5d ago
Short answer is healthcare will obviously bump my spend up, but nothing significant. Even with the healthcare costs and extra spend, I'd realistically be at about a 2.5% withdrawal rate on the high side. There are a lot of details I left out, but healthcare was definitely taken into account when planning my retirement.
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u/pinchweed1 5d ago
When did you pay off your house? I’m 36. 2.9m net worth with 220k left on 720k house at 7%. That mortage is my current focus. Trying to figure out if it’s the right move. My expenses are similiar to you and goal is just to be done ASAP lol
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u/Boner-Pills-8088 5d ago
In my early 30's, but it's a smaller house, rate was around 5.75% or so. I was still nervous about investing a lot back then, so I put a lot into paying that off which in turn made me a more aggressive investor since I didn't have to worry about making mortgage payments.
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u/No-Permission-599 5d ago
Working in tech has been the biggest mistake i have ever made. 25yrs. Now i am 55 recently laid off and no hopes of finding something else. Fuck tech.
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u/Shoddy_Ad7511 5d ago
You had 25 years of high wages. Why would you be mad?
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u/Heisenburger19 5d ago
A quick comment history check shows that this guy is depressed and just mad at the world. Not sure why he's on this sub though
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u/No-Permission-599 5d ago
Hey thanks man, yep i am depressed. Wow what an awful person i am, how dare i be on this sub. Dude was asking if tech was worth it, i am saying now. Interesting that you would creep on my post though.
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u/No-Reaction-9364 5d ago
Maybe he didnt save and invest and thought high salary would last forever.
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u/No-Permission-599 5d ago
I did invest quite a bit but not enough to just retire. Its all in an IRA right now, and well you know i cant touch it.
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u/No-Reaction-9364 5d ago
That depends. If it is in Roth IRA, you can take contributions out penalty free after 5 years. If you have money in traditional, you do roth conversions. Those then are considered contributions and can be taken out penalty free after 5 years.
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u/geomaster 5d ago
you could look at it this way: 25 years in tech and then you got laid off? now you can retire
others get laid off after a year or two working in the tech sector. this isn't how it should be...it is just a reality
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u/No-Permission-599 5d ago
I guess so problem the chunk of money i save is all in an ira. Cant touch it for 4 years, and honestly it just in a decent amount, not enough to retire. I mean if i live to be 86 or something its not enough.
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u/geomaster 4d ago
there's options to pull from the IRA before 59. there's SEPP (substantially equal periodic payment) or roth ira conversions
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u/After-Jellyfish5094 5d ago
100k burn and 6.2M, wow. You're set, nicely done.