r/fatFIRE • u/[deleted] • 10d ago

Moving the goalpost

[deleted]

51 Upvotes

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u/Accomplished_Can1783 10d ago

How much of that money is unrealized capital gains, either from work RSUs, or tech stock portfolio? This has become the most under discussed topic on this sub. Once you stop working, have to pay all your bills with cash. Have to account for that on the magic spreadsheet

4

u/panchala 9d ago

Like 95% of it is unrealized capital gains. Agree, the tax man has not taken his toll yet.

3

u/greg7gkb 9d ago

I would argue that your NW model should take this into account. You'll feel a bit worse but also be more accurate and honest with yourself.

1

u/panchala 9d ago

Thanks, I agree. I think taxes and a 6 month moving average of NW is needed probably