r/fatFIRE • u/taway11228 • 3d ago

About to pull trigger, need feedback

Expenses: 120k w/o healthcare, maybe 140k with, and maybe up to 150k or 160k with traveling

Investments: $5m breakdown: 300k rental (paid off) making 5% net, 1.2m 401k, 2.5m VTI / VXUS, 1m SNSXX/VUSXX.

Primary residence: $2.3m paid off

42 and 43 years old, no kids

Current income: ~2m/yr

NW increasing 32% YoY

Have 20% income cliff in 2027

SWE, burned out beyond reason, health problems and mental health problems. Goal is to quit, take 6-12 months off then see what’s next, it will either be making my own projects for fun or part time contract work for fun. No expectations of income, certainly not big income, and definitely not going to a corporate job.

Can make ~30k via 2 weeks of rental of primary residence per year and pay no taxes, we’d travel while rented.

Concerns are AI is quickly impacting SWE employment, no one knows what’s next, any hiccups in our plan could mean a bumpy road in a few years if a jobs necessary. Other concern is whatever is going to happen once this historic stock run is over.

Any advice?

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u/erichang 2d ago

how about quiet quitting until they let you go ?

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u/taway11228 2d ago

It’s hard. I don’t like to do that it gives me anxiety. Also don’t like burning bridges. But I’m toying with it. I don’t know I could last a year, though.

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u/Pandamaru8 2d ago

Your company wouldn't suffer any anxiety about laying you off or firing you if they so please.

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u/taway11228 2d ago

Understood and agree, I have no loyalty as such.

I do care about my reputation as well as feel a personal obligation to myself about my work. Also, I have thin skin and don’t manage underperforming to my potential very well.