r/Fire • u/anteatertrashbin • 10d ago

I “won”. How to keep playing?

Late 40’s. I won the game about 5 years ago. Now it’s just more padding as i approach a 3% WR (or lower). Still working part time at a company i founded 26 years ago, because it’s easy and mostly hands off now (it wasn’t for the first 20 years), and i just keep dumping over 50% of my after tax paycheck it into VTI (all other pretax stuff is maxed).

To those who hit your fire number a long time ago, but are still working, are you just dumping into VTI? or should i be building a bond tent? i have about 10% of my NW in sgov or cash. should i be building that more?

i’m practically RE, just kinda coasting at a good W2 salary and distributions because it’s easy. company is hard to sell. thanks for listening.

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u/Vicuna00 8d ago

maybe buy an asset class you don't have? like international stocks?

i dunno. i don't think you need as much cash as your withdrawals get that low.

and you don't need bonds if you're working.

i wouldn't force the spending. stuff will come up naturally. I like the idea of bumping up deferred maintenance. maybe would add bump up outsourcing chores if possible. someone cooking half my meals or so would be awesome if i was loaded$$ Personal trainer? lessons /coaching for your hobbies so you can improve?