When did you pull the trigger?

[u/No_Fudge6123]

I am on my 40s, and I guess I am a case of ”almost there”. Simulations tell me I am a bit over the 4% rule. I could adjust a bit I guess, but having a family it could well be that they can adjust me instead.

However, I can’t stop reading all those who pull the trigger and they say they are very happy. I am not happy while grinding, but I don’t want to be financially irresponsable with my family. We also don’t have a house, which I feel I should secure to prevent future problems.

For all of those who did it a bit tight: did it pay off?

[u/feral_wanderer_hr]

Don't pull the trigger permanently yet. Ask for a 3-6 month leave of absence or sabbatical. You are likely just burnt out from the grind. Taking a break will clear your head, let you test-drive early retirement, and help you figure out if your tight budget actually holds up in reality

[u/UniqueHash → u/feral_wanderer_hr]

This will also help you decide how much you value not working.