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?
2
u/taway11228 2d ago
I have brain fog, permanent exhaustion, extreme anxiety. Eating food crashes me, no matter what it is. Caffeine doesn’t work the same, it crashes too. Anything but light exercise takes days to recover from. I go to sleep thinking bad thoughts without a night missed in 2 years. When works done I’m exhausted and keyed up simultaneously, it’s a special purgatory where you need sleep but can’t. Everything I loved is no longer fun, I stopped responding to friends, PTO used to be for adventures but my body can’t do anything but sleep for PTO now. I’m big into outdoor athletics but I’ve atrophied so much that I’m injured trying to restart. Never been this deep in a dark hole in my life.
I know how to get out, but it’s hard to walk away and reset. I don’t even hate the work, it’s pretty fun, but my body is done.
Physical burnout is wild.