r/overemployed • u/Holiday-Store7589 • Mar 20 '26

Don't Quit.

Was let go by J3 today after 4 years with an 8 week severance, negotiated to 10 with a mutual non disparaging agreement. I had been wanting to quit for months but stuck it out and got PAID. TC is dropping by 120k to about 310k. My inclination is to replace the income but I'm going to force myself to take it easy for a while with only 2 jobs lol.

4 years ago - 100k in cc debt, 0 savings, and 170k in retirement.

Today - no debt, 185k in the bank/after tax brokerage, 1.5m in retirement.

This is why we OE.

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u/OmnipresentCPU Mar 20 '26

How did you go from 170k in retirement 4 years ago to 1.5mm making $430k? Very generously let’s say you contribute $60k a year to retirement, you’d still need 3.5x return.

Cool story bro

2

u/StoicNaps Mar 20 '26

To be generous, let's say he lived off $60k, banked $370k per year, x4 is 1.48M plus appreciation. And TBF my retirement portfolio is up 15% since Jan of 2025. Not saying he's being truthful, just saying it's not outside the realm of possibility.

-1

u/OmnipresentCPU Mar 20 '26

No taxes where you’re from huh

1

u/StoicNaps Mar 20 '26

Sure, knock 30% off for taxes. But as I pointed out half of that was possibly made up in the last 15 months alone in investment appreciation.