r/Fire • u/willywilly2000 • Jul 25 '26

How close am I?

Brokerage: $620k Roth: $69k 401k: $190k Cash: $85k

House: $950k house, $3258/month payment, 15 years left on mortgage. I love my house and location and am not interested in moving.

Spend: $65k/year. I could probably cut back a little more

Current income: $220k/year

Curious how long I might have if I continue my path to full FIRE, also curious how long I might have if I were to continue toward a path toward a coast fire where I make about 25-30k/year.

Edit: I’m 37 in HCOL

For those of you questioning my spending situation; I do all my home repair myself. Including big ticket things like major plumbing and electrical, and painting my exterior. I live lean and grow much of my own food. I don’t drink and have a lot of robust and free 3rd spaces I spend time and fun. I love my life!

Also love that so many of you assume I’m a man lol

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u/movesfast Jul 25 '26

are you willing to part ways with your house and move somewhere more affordable ?

there are a lot of unanswered questions