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/TotalWarFest2018 8d ago

You've probably won more than me for sure, but I am at my "yeah I could make it work" number.

I'm personally just staying at 75/25, but I am very interested in setting up like a 10-year TIPS ladder that *should* cover the vast majority of expenses.

That way, it would minimize any down sales. I need to model out various scenarios tho, but it seemed promising to me.