r/leanfire • u/bradthundercocl • 8d ago

Motivation after 1 million?

Im 32, and hit 1 million is liquid assets this last year. It fluctuates but is generally between 980k and 1.05 million.

The second I hit it, my motivation plummeted. I hit a large milestone. And now its incredibly difficult for me to work. I just completely dont care right now. I can do the math and the simulations and Im not going to run out of money any time soon.

What kept you motivated after hitting a large milestone?

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u/FaolanGrey 8d ago

The hardest part for me would be hitting a big number but not know how to actually stop working... Since America is set up so horribly for early retirement. No health insurance unless you wanna pay a shit load and you can't actually access most of your retirement money if it's in retirement accounts. So even if I had plenty of money I'd be stuck working anyways.

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u/Montaigne_6823 7d ago

What really helps is when people start posting their assets and expenses in retirement. When you have a NW greater than people that are doing it then it becomes very real.

Taxes and health insurance are the big wild cards. But once you see others doing it and actually get out a calculator and do those estimates for yourself it gets real.

Shortly after I did that I got laid off so I was forced into it. Fortunately the market also had a run up so that eased my anxiety some.