40岁出头移民夫妻有5百万资产可以FIRE?

T
Tianhaoyun
楼主 (北美华人网)
网上看到的 We reached coastFIRE last year!
We both grew up in immigrant families. Our parents were blue collar workers. No inheritance. On the contrary, we are expected to take care of them which is fine. They sacrificed so much for us, so it’s only right that we take care of them in their golden years. 
We both have our Masters and been working for the same respective company since college’s graduation. We probably could have earned more by job hopping, but choose not to, and it had served us well so far. 
Both companies gives us the job flexibility to relocate through 3 states. Last year we took advantage of our seniority and asked for reduced hours to 32 hrs/week. It is such a game changer that gives us more energy to focus on our kids and each other. We also live with one set of parents, so we can use our off day to take them to appointments or anywhere else they want to go. 
We are 42(m) and 40(f) with 2 kids age 8 and 5. 
Total take home pay is $175k. Our NW is about $2.5M with $1.7M in investments (mostly indexed funds). The rest is house equity $600k, emergency fund, and 529 plans. No debt besides mortgage. 
We made some mistakes along the way, including trying to time the market around COVID, buy individual stocks per Motley Fool’s recommendations, etc. But we learn from them and kept on saving. 
There is really no one else we can share this milestone with, so I hope you let me share it here. Thank you for reading!
q
qq17
Our NW is about $2.5M with $1.7M in investments (mostly indexed funds). The rest is house equity $600k, emergency fund, and 529 plans. No debt besides mortgage.
哪里写5米了
J
JadeGG
文章里说的是NW2.5M ,哪里有五百万?
T
Tianhaoyun
看错了
y
yoyo2024
网上看到的 We reached coastFIRE last year!
We both grew up in immigrant families. Our parents were blue collar workers. No inheritance. On the contrary, we are expected to take care of them which is fine. They sacrificed so much for us, so it’s only right that we take care of them in their golden years. 
We both have our Masters and been working for the same respective company since college’s graduation. We probably could have earned more by job hopping, but choose not to, and it had served us well so far. 
Both companies gives us the job flexibility to relocate through 3 states. Last year we took advantage of our seniority and asked for reduced hours to 32 hrs/week. It is such a game changer that gives us more energy to focus on our kids and each other. We also live with one set of parents, so we can use our off day to take them to appointments or anywhere else they want to go. 
We are 42(m) and 40(f) with 2 kids age 8 and 5. 
Total take home pay is $175k. Our NW is about $2.5M with $1.7M in investments (mostly indexed funds). The rest is house equity $600k, emergency fund, and 529 plans. No debt besides mortgage. 
We made some mistakes along the way, including trying to time the market around COVID, buy individual stocks per Motley Fool’s recommendations, etc. But we learn from them and kept on saving. 
There is really no one else we can share this milestone with, so I hope you let me share it here. Thank you for reading!
Tianhaoyun 发表于 2024-01-16 20:09

with 2 kids that age, even 5M is not FIRE for a couple. kids could easily cost 700K each.
C
COHomeSearch
四十出头就这么多资产很厉害了啊。take home 的意思是税后?不放huaren上妥妥的高收入了。 佩服他们这个:Last year we took advantage of our seniority and asked for reduced hours to 32 hrs/week. It is such a game changer that gives us more energy to focus on our kids and each other.
用户需知
单纯觉得很厉害,这么低的收入可以这样的net worth, 真是很会投资了
s
ss4me
回复 5楼yoyo2024的帖子
正要来反驳两个孩子700k是不够的,再一看后面写着each,那就差不多了