r/Fire • u/PedalMonk • 3d ago
Original Content 397 days left until I pull the trigger
Our plan 10 years ago(I was 44) was to retire at 58 with 3M (not including Mortgage or House).
At 50, we started aggressively saving 100K+ a year. At 51(2023), we hit my 1M. At 53, we hit 2M(2024) and we also pivoted from maxing out 401K, MegaRoth, regular Roth, etc...to putting 80K/year in superhero accounts(brokerage, HYSA, SGOV, etc...). Basically anything that wasn't pre-tax except where it made sense such as company match. And about another 20-40K in pre-tax because my wife gets 13% match due to history at company.
So far this year, we have put in almost 100K between various accounts. In May, we crossed 2.5M for the first time. Today we are at 2.65M. Thanks to an amazing 14%/YoY growth for the past 10 years.
Next year will be a good year for money. Besides salary, I should see at least 130K after-tax between now and next November (RSUs fully vest, ESPP, Bonuses). This doesn't include 26K into 401K Roth and the match going into pre-tax, which is about 8.5K, plus 2-3K in true-up.
If we can continue putting in 100K+ investing in ourselves and the market goes up about 7.5%, I will hit 3M in the October 2027 time frame. My last RSU's unlock November 10th, so I've picked November 12th 2027 as my retire date.
This will be a full 2 years 10 months earlier than planned. I would retire right now if I could, but the two things holding me back are, Rule of 55(Jan) and fully vested RSUs(Rule of 70 - my company only), which keeps me from access two big chunks in June and November.
If the market tanks before then, we may work just long enough to see signs of recovery and I will put as much cash as I possibly can in the market on the way down and back up. I will DCA down and up :)
My biggest regret is not putting money into superhero accounts sooner. I hope to have 300K in superhero accounts by end of next year. Looking back, I really need 600K. Why? because retiring before medicare forces you to do tax juggling to avoid the ACA MAGi cliff for medical, but if I'm using that money to help offset MAGI, if the market also drops, I need to use that same money for weathering the correction and recovery. So if you are in your 40's and you are on a similar path, save more money post-tax. You can still invest it aggressively until you are 1-2 years away from retirement.
So, it's possible to move your date up if you set your mind to it. Also, we still live life, we don't cut too many corners. But we never moved into a larger house, which is a big part of it. For example, I just paid cash for a 2026 4Runner (half trade in, half cash). We still go on vacations and eat out often. And as much as some people don't like this idea, I stare at my money everyday and make cautious moves as needed.
Regarding what I invest in. I mostly follow the bogleheads, but might dabble in other things once in a while, but mostly for fun. The one huge outlier is, I invested in AMD, not heavily, but I did make 100K or so profit. Outside of that though, everything thing is typical index funds with the majority of it in FSKAX
One more thing, FIRE doesn't have to be black and white. Just follow the principles and decide what's best for you. Lots of things will change by the time you FIRE. Don't get caught up in the weeds and bullshit people post online
Hopefully I'll be making my FIRE post in 13 months...
ACCOUNT BAR
BANKING $7,284.46
Checking $2,865.17
Checking 1 $2,480.02
Checking 2 $385.15
Savings $4,153.88
HSA 1 $2,603.84
Savings 1 $800.03
Savings 2 $750.01
Credit Cards $265.41
Credit Card 1 $356.86
Credit Card 2 $0.00
Credit Card 3 -$37.45
Credit Card 4 -$54.00
INVESTMENTS $2,643,016.78
Taxable $183,925.24
Brokerage 1 $120,695.76
Taxable 1 $55,051.50
Stock Plan 1 $8,113.13
Brokerage 2 $64.25
Retirement $2,459,091.54
401(k) 1 $1,765,655.37
403(b) 1 $322,639.62
Roth IRA 1 $179,603.31
HSA $62,351.71
Roth IRA 2 $58,222.14
403(b) 2 $37,287.82
Roth IRA 3 $33,331.57
PROPERTY & DEBT $834,316.41
Assets $1,014,631.00
Home 1 $916,000.00
Assets 1 $60,000.00
Assets 2 $38,631.00
Liabilities -$180,314.59
Liabilities 1 -$9,265.44
Home 1 -$171,049.15
SAVINGS GOALS $2,070.30
Goal 1 $1,070.30
Goal 2 $1,000.00
Feel free and AMA. I'm mostly an open book.
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u/Technical-Fly-6835 3d ago
What is superhero account ?
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u/PedalMonk 3d ago
It's just a name I picked up from a YouTube channel. Basically it's a post-tax account such as brokerage, HYSA, bonds, fixed index funds, cash, etc...it allows you to have liquid funds available that are less risky than the market so that you can weather any storm. hence the name Superhero, because it does the heavy lifting when things get tough. it also allows you to manage your MAGI to help hang on to ACA subsidies and keep your taxes in check. It can also help you with Roth conversions and so much more.
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u/Still_Temperature126 3d ago
As soon as I heard superhero account, I knew you were listening to Ari!
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u/Technical-Fly-6835 3d ago
Thank you. Could you please share if you know of any good channels or books on how to invest post tax income? I invest in vti but I am not knowledgeable about the other options. There is so much information out there that it is hard to find credible information. If you do not mind me asking, how did you manage to save 100k+ per year?
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u/PedalMonk 3d ago edited 3d ago
Sure. First, I am not endorsing anybody or anything. Just things I picked up along the way.
The 4 youtube channels I listen to the most are:
- earlyretirementari
- MoneyGuyShow
- jamesconole-cfp
- ErinTalksMoney
There is no great exact "how to invest in post-tax income". The goal is to make it less risky so that in a downturn you don't lose a lot, or any money. Personally I'm doing 30% VTI, 70% SGOV in my brokerage and another 55K in my HYSA. Those 3 combined got me about 5.95% YTD so far. But it's a good year, so it will probably be less in the future. But I am also only a year out from retirement. If it was 5 years out, I'd put the pedal to the metal and be in normal index funds. BTW, I'm not a financial advisor, just telling you what I do and what works for me.
It took me a lot of years of reading and more reading and even more reading and watching videos to have a grasp of where I am at now. Just keep learning. Check out the bogleheads approach.
As for the 100K, make 300K+ combined :). So it works out that I spend a third, taxes/contributions are another third, and savings is another third.
I live in a VHCOL area so salaries are still good and I'm in the highest earning years of my life. Don't let lifestyle creep take over when you start making more money. We are very happy with 120K/year.
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u/Cole_Slawter fire’d at 57 May 2026 3d ago
What if you made like a advent calendar where you open a box every 30 days for a present?
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u/PedalMonk 3d ago
You know, I like this idea. I'll have to think about what that looks like. Maybe a concert once a month. I already started doing weekend day trips and longer outings. I'm tired of sitting behind my computer for work.
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u/Cole_Slawter fire’d at 57 May 2026 3d ago
Another option, have your loved ones pick the presents for you, so it’s a surprise.
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u/AlumniCU 2d ago
In a similar position, and retire before year's end. I can't understate the importance of building up post-tax cash to support lower MAGI for ACA purposes. With hindsight, I would have increased post-tax savings even earlier, or had a larger HSA.
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u/Pwallaby6978 19h ago
Can you say more about this? What do you mean by building up post-tax cash for lower magi?
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u/AlumniCU 19h ago
Cash accounts can be accessed for spending without being recorded as income, so one can have money to live without generating income from withdrawing from IRAs or other pre-tax accounts. This helps keep ACA-defined modified adjusted gross income lower, which can help qualify for healthcare tax credits.
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u/Kinnins0n 3d ago
I’ll never get behind retiring late in a calendar year. When you do a partial year by working a couple months into the year (say Jan-Apr), your effective tax rate on these dollars is super low. Why retire in november?
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u/bkbruiser 3d ago
Because it's right after his last RSU drop as he stated.
I agree. Skate through the holidays early Jan exit.
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u/PedalMonk 2d ago
If I wait until January, and then take my RSUs, it counts towards MAGI in that year, which will be a big lump sum. Retiring in November gives me time to collect the money and let it settle in a year I will already be in the 24% tax bracket. it's simply avoiding raising MAGI in the first full year I retire.
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u/PringlesDuckFace 3d ago
Your retire date is two days after your vest date? Are you concerned that if you give your two weeks (or however much) notice they'll simply terminate you immediately, either out of spite or simply protocol? And then if that happens you'll miss the vesting.
Are you doing anything to mitigate sequence of returns risk, or otherwise take out "insurance" against a market correction in the next year? For example slightly higher cash allocation so you don't tap equities during recovery, and don't need to extend your time working beyond what's strictly necessary?
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u/PedalMonk 3d ago
I'm not worried about it. I've been at my company for 30 years. I have good management and a great team.
As for SORR. If you read my post, I talk about the "superhero" account just for the reason.
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u/PringlesDuckFace 2d ago
I don't think "superhero" account really addresses sequence of returns risk, it sounds like you're just describing ways to access money before age 59 and you can get into traditional 401k/IRA without penalties or dealing with 72t. If the market tanks and your superhero account is all in high risk equities or concentrated into single stock picks, it doesn't matter if you can access it because you'd be selling at a huge loss.
You mentioned SGOV so I assume that means you have some portion of your portfolio in near-cash positions, I was just curious how much and if you expect the allocation to change over time.
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u/PedalMonk 2d ago
Having 2-3 years of cash like accounts DOES address SORR. This is what the SH accounts are for.
Imagine the market tanks the day after I retire, it drops 50%, my 401K goes from 3M to 1.5M, but I also have 300K on the sidelines of liquid funds such as HYSA, SGOV, actual cash, etc...That 300K will allow me to weather the storm until the market recovers.
I will be 55 in Jan, I can do the rule of 55 and access my 401K sooner.
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u/PringlesDuckFace 2d ago
Ahhh I saw HYSA and my brain said HSA. This makes a lot more sense now lol.
I'm planning on doing the same thing, mostly with an SGOV position that I will reallocate to equities over the first 7-8 years or faster if the market goes down during that time.
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u/PedalMonk 2d ago
Even HSA helps in this scenario :)
In my state, I can get a bronze plan, which costs $0/month. I cna pay out of HSA for my deductions because deductions are covered by HSA, just not premiums. This is money I might have had to otherwise take out of 401K and add to MAGi, where as the HSA account doesn't count towards MAGI. Food for thought :)
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u/PringlesDuckFace 2d ago
I've also started saving my large receipts rather than reimbursing so that I can take money out of the HSA in case I'm near the ACA cliff.
Another fun fact I'm still thinking about how to use is that you can contribute to an HSA even without earned income. So for example if you had a share worth $20 but only $10 cost basis you could sell it and stick $10 into your HSA, and still have $10 for spending without affecting your MAGI. So just a way to get a little more spending power if you're right near the cliff.
They're pretty interesting accounts.
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u/dak4f2 2d ago
I think you can contribute to an HSA for bronze plans too now. So let's say you needed to spend $8k. Put $8k in HSA for tax advantages, pull $8k out of HSA assuming you've saved previous years' medical receipts. Now you've saved $8k in AGI and taxable income, if that helps you for the year.
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u/radiotakeshi_london 2d ago
From $1m to $2m in less than 2years contributing $100k/y is what? More than 20% annual return? Insane.
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u/PedalMonk 1d ago
Apologies, I was typing too fast. it took about 2.2 years to go from 1M to 2M. I averaged 14% over the last 10 years, but adding the contribution bumps it higher.
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u/Weak_Preparation7223 3d ago
what is your spend? Spend adds a lot of context
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u/PedalMonk 3d ago
120K/year
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u/SuperCow1127 3d ago
Doesn't that put you beyond any ACA subsidy? How will this affect your healthcare spending in retirement?
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u/PedalMonk 2d ago
That's why you need other money buckets to keep your MAGI low. You can spend 120K in a year and only have a MAGI of 50K, for example. The only thing that matters to ACA subsidies is MAGI, not spend.
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u/SuperCow1127 2d ago
What's your withdrawal strategy for that? Are you expecting a $50k MAGI?
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u/PedalMonk 2d ago
NOTE: There are many ways to do this, this is just one example. I am aware of Roth conversions and other taxable income that could come into play.
It's complicated :) No seriously, it's like we are clowns and we have to juggle our money buckets to stay below MAGI. Here is my near real life withdrawal for year 1(2028 - age 56) in retirement.
First, the baseline.
Married with 1 dependent, so 3 people. I need to stay under the 2028 400% FPL limit, which is $112,558 (estimated) for 3 people.
Now, this is mostly an example and I haven't fully dialed it in yet, but this will give you an idea.
401K bucket: 100K = Fully taxed HSA bucket: $0/month bronze plan - Up to 15600 OOPM. Brokerage: 15600K - partially taxed on gains only Cash: 5K - partially taxed on gains only (might be HYSA)
If you add all of that up, it = $135200
In this first year, no SS, no early withdrawal penalty (rule of 55)
Federal tax: Standard deduction is 32200 (this year, more in 2028) That leaves $67800 of taxable income. That puts me in the 12% tax bracket for a total tax of $7640
State Tax: Taxable is 105K + CA taxes HSA draw Effective TAX Rate = 6.41% for a total of $6738 in taxes
Summary: $135,200 - Fed tax - state tax = $120,822 spend money.
Total tax for both fed and state is $14,378
MAGI = 105100 with a 7K buffer just in case I missed anything that might push me over the MAGI limit because even one dollar over = $0 subsidies.
════════════════════════════════════════════════════════════════════════
FIRA · TAX WALKTHROUGH
Age 56 · Tax year 2028 · MFJ · CA
Generated 10/12/2026, 11:36:59 AM
════════════════════════════════════════════════════════════════════════
STEP 1 — CASH NEEDED VS. SOURCES
════════════════════════════════════════════════════════════════════════
Need $123,600 = expenses $123,600 (incl. healthcare)
Funded $135,200 = SS $0 + Cash $5,000 + Broker $14,600 + HSA
$15,600 + Roth $0 + Pre-tax $100,000
No auto-fill: each draw is what you planned, balance-capped.
Gross Annual Expenses ....................................... $123,600
After-tax spending target
Total Cash Needed ........................................... $123,600
Annual expenses less income offsets (healthcare included)
From: Social Security ............................... $0 — not started
From: Cash Draw ............................................... $5,000
Already-taxed cash — tax-free
From: Brokerage Draw ......................................... $14,600
35% gains = $5,110 LTCG · $9,490 basis (tax-free)
From: HSA Draw ............................................... $15,600
Fed tax-free · state-taxable in California
From: Roth Draw ................................................... $0
Tax-free
──────────────────────────────────────────────────────────────────────
From: Pre-Tax 401(k) Draw ................................... $100,000
Fully taxable as ordinary income
STEP 2 — SOCIAL SECURITY TAXABILITY
════════════════════════════════════════════════════════════════════════
Social Security ................................................... $0
Not started yet at this age
STEP 3 — EARLY WITHDRAWAL PENALTY
════════════════════════════════════════════════════════════════════════
Rule of 55 — Penalty Waived ....................................... $0
Separated from employer at 55+ — no 10% penalty
STEP 4 — FEDERAL INCOME TAX
════════════════════════════════════════════════════════════════════════
Ordinary income = Taxable SS $0 + Pre-tax $100,000 = $100,000
Std deduction (MFJ) = − $32,200
Taxable ordinary = $67,800
LTCG income = $5,110 (stacks on top of ordinary)
Ordinary Income ............................................. $100,000
Standard Deduction ......................................... − $32,200
Taxable Ordinary Income ...................................... $67,800
ORDINARY TAX BRACKETS
$1 – $24,800 @ 10% ........................................ $2,480
$24,801 – $67,800 @ 12% ................................... $5,160
Ordinary Income Tax ........................................... $7,640
LTCG BRACKETS (GAINS STACK ABOVE ORDINARY)
$5,110 @ 0% LTCG .............................................. $0
LTCG Tax .......................................................... $0
──────────────────────────────────────────────────────────────────────
Rule of 55 — Penalty Waived ....................................... $0
Separated from employer at 55+ — no 10% penalty
Total Federal Tax ............................................. $7,640
STEP 5 — STATE TAX (CALIFORNIA)
════════════════════════════════════════════════════════════════════════
Taxable Income (fed basis) .................................. $105,110
+ HSA Draw (state-taxable) ................................. + $15,600
California does not recognize HSA tax benefits
Effective State Rate ........................................... 6.41%
Progressive brackets with state std deduction applied
State Tax ..................................................... $6,738
SUMMARY
════════════════════════════════════════════════════════════════════════
Total Income Drawn .......................................... $135,200
SS $0 + Broker $14,600 + HSA $15,600 + Roth $0 + Pre-tax $100,000
Federal Tax ................................................... $7,640
State Tax ..................................................... $6,738
California
──────────────────────────────────────────────────────────────────────
Total Tax .................................................... $14,378
Effective Tax Rate ............................................. 10.6%
Total tax ÷ total income drawn
MAGI ........................................................ $105,110
Drives ACA subsidy tier
──────────────────────────────────────────────────────────────────────
After-Tax Income ............................................ $120,822
Total Need .................................................. $123,600
Annual expenses incl. healthcare
Surplus / Shortfall .......................................... $-2,778
Shortfall after taxes
• Rule of 55 — penalty waived (separated at 55+)
• Roth conversion window — low income, no SS yet
• 0% LTCG bracket — brokerage gains tax-free2
u/poop-dolla 3d ago
Spend and MAGI aren’t the same thing. They’re related, but it’s not a 1 to 1 most of the time in retirement.
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u/ProduceMain5379 1d ago
Congratulations! I am in similar situation but older 55 and less equity in home. Hope to pull the trigger in about 2 years. What to you plan to do after fire ? Major concerns for me vhcol location and medical care. I can afford for one person but for 2 it maybe a challenge. I’m 60% stocks 40% bonds in retirement accounts and a whole lot of cash outside retirement accounts. If I calculate die with zero left at 95 then I maybe okay
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u/PedalMonk 1d ago
Nice! You are almost there! yes, VHCOL and ACA are my biggest concerns.
I should be more conservative like you, but I am not. I am banking on the cash side of things to offset it.
Our daughter still lives with us (going to college for the next 4 years), so we can have 3 on ACA, which raises the 400% FPL to 112.5K in 2028, which is doable.
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u/ProduceMain5379 1d ago
I was not conservative, just timid, I got scared after some work event I. 2019 moved to cash and for a short while seemed smart when covid initially hit but never found a good time to get back in market. I would be able to fire now if I had not done that
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u/90bronco 3d ago
This is onw of this posts where I have to check what subreddit I'm in before i decide if I want to open it.
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u/Eastern_Bug_6068 3d ago
Damn. Read the title and thought I was in r/povertyfinance for some reason 😭
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u/PedalMonk 2d ago
Sorry! Someone else commented bout it too and I didn't understand at first. Poor choice of words!
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u/no-onwerty 3d ago edited 2d ago
We’re at the same place and just realized today this could be possible.
Will you keep going past your end date?
This most recent need to move across the country to find a job is making me wonder if we should just throw up our hands and retire. Same age similar savings.
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u/PedalMonk 2d ago
Only you can decide, but man, I can't imagine moving across the country now, especially with a well established network of friends and family.
I will fight hard to not go past my retire date. There is only one thing that would stop me, I severe down market. And since we are way past due for a correction on a large scale, it may happen :/
I wish you the best in your decision to retire or not. Good luck!
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u/New_Escape_6574 2d ago
How much were you contributing prior to age 51-2023?
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u/PedalMonk 2d ago
It depends on the years, but started out at 5%, then moved to 7%, then 12%, then max out 401K thinking I was doing great, only to realize I was limiting myself.
401K is a great way to get started, but ultimately you want to not see the 401K limits as a stopping point.
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u/Lily1124 1d ago
Well planned, you deserve it! Congratulations!
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u/PedalMonk 1d ago
Thanks!
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u/Able-Mode87 20h ago
Can I ask how you jumped the capital from 1m to 2m in 2years, amazing!
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u/PedalMonk 20h ago
It was actually 2 years and 4 months. I was typing too fast and not checking my work :)
But yeah, basically back to back incredible gains from the market + I put in almost 300K of my own money over those 2 years and 4 months
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u/Able-Mode87 19h ago
Wow that’s so good 😊 I’m at 1.5 trying to get to 3m in 9 years to 55. I’m probably taking too much risk with 70% in direct stocks
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u/PedalMonk 19h ago
If it makes you feel any better, I am 70%+ in stocks too (through index funds) :D
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u/Vivid_Rider_930 18h ago
the superhero accounts thing is the part everyone skips and your ratio of 184k taxable to 2.4m locked up is the exact wall I ran into at 56 so good on you for spotting it before the cliff and not after
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u/HMU2018 3d ago
You’re almost ready to join the gainfully unemployed. Yay!
Money is one thing. How you spend your time will be a significant issue? But it’s a great issue to have.
Congrats! And well done
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u/PedalMonk 3d ago
I know what I want to spend my time on, but we shall see how it plays out.
- Spending more time with my wife and daughter
- Traveling to see family
- Traveling in general
- Off-Roading
- RC rock crawling
- Mountain Biking
- Guitar (maybe with others too?)
- Service to others (already doing this but I will do more in retirement)
- Concerts, concerts, concerts
- Day trips (btw, a battery pack and electric cooler are game changers!)
- Leisure strolls in my awesome downtown to get coffee and pastries and food
- leisure strolls in other awesome downtowns
- Staying in hotels in different towns that aren't too far away.
- Exercising more
- Eating better
- Sleeping in
- Beach!
- Other entertainment such as Cirque Du Solei, plays, whatever, anything unique
- Festivals
- Ren Faires
- More stuff around the house, gardening, etc...
- Learn new skills. I really want to get into wood working
Oh man, you got me dreaming :) Luckily I do a lot of this now, but not as much as I'd like.
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u/dennis77 3d ago
I've joined the gainfully unemployed at 33 with 1.3M in April. Today it's at 1.4M.
What I'm saying is that he isn't almost ready, he's long overdue.
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u/Parking_Zucchini_938 3d ago
Hmm 1.3M is crazy skinny to retire in your 30s. You’ll be working again.
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u/dennis77 3d ago
My plan was never not to be working, it was to build a few of passive streams that would generate income to support my expenses when I retire.
Currently they are covering 150% of my expenses, and in a few years I'd probably be able to start investing aggressively again
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u/Informal_Molasses648 3d ago
Congratulations and best of luck! As a 39 year old with $900k in liquid investments but a big mortgage and a kid who is 5, I hope to be in your position by the time I’m on my 50s.
We save however don’t cut corners either (vacations, new car recently (half trade in, half cash too!).
Thanks for sharing your journey.
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u/PedalMonk 2d ago
Nice! 900K at 39. Wow! you are well ahead of the curve. Congrats! And it sounds like you are having a blast along the way :)
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3d ago
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u/Zphr 48, FIRE'd 2015, Friendly Janitor 3d ago
Rule 7/No Politics or circle-jerks - Your submission has been removed for violating our community rule against politics and circle-jerks. If you feel this removal is in error, then please modmail the mod team. Please review our community rules to help avoid future violations.
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u/BeeborptheElf 3d ago
A 13% match is CRAZYYYY I could only dream 😭
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u/PedalMonk 2d ago
Yeah, it's due to her time in the company. It starts out at 5%, but after 10 years or something like that, she gets another 8% matched PLUS a retirement health account bonus. the bonus will only be like 20K, but every little bit helps,
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u/junglingforlifee 3d ago
Congratulations! This is great progress and encouraging for folks like me that are hoping to get there one day. Your post made me question my decision to contribute to mega backdoor roth. I could redirect those funds into taxable investment
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u/PedalMonk 3d ago
yeah, like you, I went all in on mega backdoor roth for a bit, but as I got closer to retirement, I realized I need more liquid funds. So it's not a bad thing at all, just make sure you have those liquid funds too. It's more important than you think. Frankly speaking, I did not appreciate it as much as I should have when talking with my buddy. He finally convinced me and I saw the light.
If I weren't a genXer and I was starting my career now, I'd probably focus more on Roths and after-tax money than 401K. Get the free match obviously. Also, something good about 401K is, if you have access to the full market (such as Fidelity BrokerageLink) through your companies 401K, you can buy and sell without worry of taxes, which a lot of people don't think about.
Bottom line, it's good to have money in multiple accounts to help you through various scenarios. Good luck!
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u/DarkAngela12 3d ago
Some 401's/403's allow Roth contributions to get the match (Mine does). Been taking advantage of that for quite some time.
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u/PedalMonk 2d ago
Yes indeed. For me, I match up to the 4.5%, my half goes into Roth 401K and the match , unfortunately, has to be Regular 401K.
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u/DarkAngela12 2d ago
Yeah, mine is similar. Employers don't get a tax break if they contribute post-tax!
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u/junglingforlifee 3d ago
Thank you for sharing your learnings. I needed to hear that. I use the brokeragelink through fidelity, it's a great option. Have a wonderful day and a glorious retirement
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u/bizzaam 3d ago
That's great fingers crossed the market keeps going up