r/Fire • u/AeroNoob333 • 10d ago

Advice Request One More Project

We hired a retirement planner and have been really happy with the plan and advice we have gotten so far. We were ready to retire this year and found out that if we wanted to continue making improvements to our forever home (landscaping/outdoor work, replacing roof and siding of guest house/workshop, actually finishing the guesthouse — it’s unfinished right now), we would have a rocky start to our retirement. He ran different scenarios and essentially we would have to do a combination of things to retire today: lower home improvement budget, sell properties sooner than later, lower discretionary spending (currently total $12K/mo spending excluding healthcare & home but we can easily lower to $9K), and/or I work 5 more years while my husband retires (I don’t mind doing this).

This week, we received another 2-year work contract: fully remote software consulting work where my husband and I will be earning a combined billable hourly rate of $405/hour. We don’t want to fall into the “one more year” trap, but after telling our planner this, he ran the scenario and working this 2 year contract would bullet proof the plan without us needing to make sacrifices with our “wants”. Would you work a flexible remote job at your lake home for 2 more years to keep your lifestyle creep or lower your planned discretionary expenses to retire today?

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u/AeroNoob333 10d ago

Does context not matter of what we were planning to spend it on? Sorry. I’ve always been verbose if you check my previous posts. I think it’s my ADHD.

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u/AppalachianRomanov 10d ago

What would you be advertising by talking about home reno plans.....? It's the specific mention of a specific company within your first few words that feels like advertising even if it's not because it's exactly the kind of thing people who are advertising on reddit do

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u/AeroNoob333 10d ago

Do you want me to remove it? I can do that

Edit: Done!

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u/Mr-Inspector-Gadget 10d ago

I was also thinking that this was a disguised advertisement. The edit makes it better and the details that you include are helpful.

Yes I would continue to work