@hey_heesun: first off, props to @Mel for the post idea and helping me realize that i’m done saving for retirement too 🙌🏼 here are more details on the numbers you see in the post 📝 the accounts listed in this post consist of only my funds and include my ira, roth ira, and 401k. my cash, my brokerage accounts, and crypto are not included. even if I do not invest another dollar, I will have have $4M by the time i’m 65. this assumes a 10% return, 3% inflation rate, and 0.03% in investment fees (this is the average fee of my current index funds). based on the 4% rule and with $4M invested, I can safely withdraw $160k/year and not run out of money. this is CRAZY to me because this is way more than I currently spend per year. i got here not because I was doing anything special, but because I started saving early on. I don’t have a background in finance, i’m not making that tech $$, and I don’t think my partner would describe me as especially frugal 🤪 i’m a beginner in the financial independence space, but i’m hoping that by sharing this info, i can find a community of people who are also curious about early retirement and that we can learn from each other on what’s been working/what’s not. if you have any questions, i’ll do my best to answer! #earlyretirement #coastFI #fire #millennial #investingforbeginners

heyheesun

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Wednesday 24 June 2026 15:18:50 GMT