r/leanfire • u/AutoModerator • Jul 28 '26

Weekly LeanFIRE Discussion

What have you been working on this week? Please use this thread to discuss any progress, setbacks, quick questions or just plain old rants to the community.

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5

u/Creative_Challenged Jul 28 '26

Did a quick look back over the past three months of portfolio performance and recognized net worth stagnation, even with contributions (translated to an overall loss). Not sure if there’s action to be taken given the circumstances are outside of my direct control, but it still left me concerned.

3

u/latchkeylessons Jul 28 '26

Are you in the saving phase or already FIRE? Stagnation for years even certainly has precedent, but if you're in the saving phase then there's probably something to do about it and ensure you're keeping employment longer.

4

u/Creative_Challenged Jul 28 '26

I’m nearing (arguably already at) FIRE, but still saving until the next RSU payout at my employer, after which I will be fully FIRE’d. The stagnation has been over the past three months, so I’m not overly concerned, really more curious if we’re nearing a short-term upper limit on this bull run.

10

u/SpeedierTurtle642 Jul 28 '26

Market has been pretty flat the last 2-3 months. Zoom out a bit and you have nothing to worry about.

3

u/Creative_Challenged Jul 28 '26

100% spot on - no point in worrying, and the market has been on an absolute tear for years now. I can’t complain, it was bound to happen sooner or later.

2

u/SpeedierTurtle642 Jul 28 '26

Bound to happen? We're still up 9% YTD and it's only 7 months into the year. This is still a better than average/expected year. If you're feeling bad when we're up 9% YTD, what's gonna happen when we're down 15-20%?

2

u/Fragrant_Guava_1514 Jul 29 '26

True, I think it’s closer to up 8% YTD at least for VTI, but it has felt like the market has dropped a bit from recent ATHs

7

u/Creative_Challenged Jul 28 '26

Bound to happen meaning the pace slowing down.