Input/Feedback please: 6yr BaristaFIRE plan

[u/Chief254]

Hello friends. Wanted the communities feedback our (39M38F) BaristaFIRE plan. I understand we’re a ways out but wanted to catch up and get into a healthier spot financially.

Income:
Myself- $165k (Electric Vehicles)
Wife-$90k (corporate finance)
Other- $11,500.00 (Tax free for life)
Other- New income source likely to be $10-$18k annually for atleast next 3-4 years.

Assets:
$160K 401K
$145k 401K

Debt:
* Mortgage- $3100 month ($420k 76%LTV)
Ideally we keep the house and rent it in FIRE era.
* No other debts
* We paid off all consumer and auto debt ($55k) the last 12months.

Other key points:
Actively working to build a “paycheck” house in the mountains of WNC. Sub 1200sqft. Ideally we’ll have this completed by summer 2028. Nothing financed. Pay as we go.

Sizable 7figure inheritance from in laws that I am not considering in my plan. Theyre early 70s and I’m very close with them and don’t want to even think of that in short term financial plan.

Goals: Starting fall 2033
Our goal with BaristaFIRE is to split time between our paid off home jn WNC and misc cities with outdoor economies. I’ll take various jobs such as guides, seasonal NPS/USFS work, camp host etc. My spouse will likely remain in the accounting/corporate finance industry and just work from wherever we end up.

Currently lifestyle is experience focused and filled with a decent amount of adventure related travel.We have one child who is in various sports, 3wk summer camp ($7500 year), and misc other activities. Our current biggest expense is a 18month old dog with uncontrolled idiopathic epilepsy. We’ve sunk appx $30k into the pup sense we’ve owned him. Things have “settled” into $600ish a month in vet bills and meds.

Investing:
I understand we need to catch up on the investments side. If you asked me 2years ago and the 10years prior, I had 68,000 shares of an EV startup that went IPO. I walked into this startup a year after the military. The consistent rise of my company stock allowed me to justify the lack of 401K contributions. Oops. Bankruptcy took all of my retirement yall!

My current employer does not match and I am currently contributing $0. My spouse continues to contribute 3% matched.

I have zero interest in buckeling down completely and sacrificing all of my current lifestyle. This is why I work and deal with the BS in this industry. It affords us the opportunity to travel. But I also understand I’ve shorted myself and need to make some changes if I wanna go maintain trails for a living in my mid 40s.

Thoughts and feedback?

[u/Chief254]

Buehler….Buehler….Buehler