When can I safely retire?

“I’m tired of the rat race and more expensive living expenses here in the US.”source ↗

“Should I just sell my house and move back to the Philippines?”source ↗

“Should I stay for another 5 years at my current job and re-assess?”source ↗

“i just started 5 years ago, but took out 58k from 401 to down payment a house.”source ↗

“the question: am I working until I die?”source ↗

“Retirement is scary and telling you friends and family that "I just don't need to work anymore" gets you nothing but negative feedback.”source ↗

“Given all that context what I'm really asking is: Am I missing any major retirement pit falls?”source ↗

“I'm a little lost about the recent increase bond yields.”source ↗

“Financial check in as I'm worried about retirement.”source ↗

“We started late for retirement planning we know that and once wifey finds a job we will be investing heavily into the taxable brokerage.”source ↗

“I just turned 41 and halfway (or more hopefully!!) through my working years. I'd love advice on anything I could be doing differently or focusing on instead.”source ↗

“Lately, I’ve felt so behind financially.”source ↗

“From what I’ve been reading, I’m on the low end of the spectrum for people my age.”source ↗

“I personally wouldn't be comfortable retiring in 2027 with those numbers.”source ↗

“I am burned out AF in my corporate job and want to retire asap.”source ↗

“Has anyone else retired at 50 and how do you manage cash flow?”source ↗

“I live in a high cost of living area and don’t want to move.”source ↗

“Just wanting to get a sanity check on whether we're on track or not regarding retirement, ideally retiring closer to 60 rather than 65+.”source ↗

“Have never consciously planned for retirement, though knowing all along the importance of starting early. That being said, we lived our lives, raised our kids well, yet really do not have a deliberate plan going forward.”source ↗

“Should I sit down with a planner for a deliberate strategy going forward? Or should I be ok?”source ↗

“Health insurance is the big thing when retiring at 60. If it wasn’t for that, I’d be more comfortable on our path.”source ↗

“Requesting feedback on readiness.”source ↗

“When can I safely retire”source ↗

“The problem is we just keep on adding money to the funds but we don't really know how much we'll have in the future.”source ↗

“Sadness, this checks out, I’m just hoping to figure a way to downgrade and stop sooner”source ↗

“I'm 45 and I could retire today, but my monthly outlays are still too high. There's, for lack of better terms, a lifestyle expectation that is combating my ability to hang up my spurs.”source ↗

“I think my hopes of retiring at 50 have mostly gone out the door with kids in the picture.”source ↗

“At 39, you're not even on track to retire on time, let alone early.”source ↗

“I know the trackers in my 401k portal isn't the be all end all but according to that I'm on pace for on time is there something glaring here that I'm not seeing that I need to be concerned about?”source ↗

“I’m not sure if what we’re doing is enough.”source ↗

“I think that’s where I’m struggling exactly because we’re not exactly traditional with our current work situation and how part of the retirement plan is via the rental.”source ↗

“I am looking for some input on my current situation. I am looking to reach coast-Fi in the next 2 years and then shift to working part time by age 42.”source ↗

“It is tiring and I just want more free time. At the same time, I see the benefits of working and the structure it provides, so I am not someone who wants to FULLY retire in my 40's, just scale back to part time and have all that extra time to do what I want.”source ↗

“Any thoughts or suggestions on this plan?”source ↗

“We would like to know how much retirements costs(?) since we don't really know what to expect.”source ↗

“But I feel like I’m extremely behind, but need your advice on what we could do to meet our goals. I feel like retiring at 56 isa long shot. How about at 62? Is it achievable?”source ↗

“My husband and I have a ten year age gap and I find it confusing to calculate how prepared we are for retirement with that gap in mind.”source ↗

“Whenever I calculate retirement preparedness I feel like its targeted at single people or only focused on one person. How do I calculate our joint preparedness when we have an age and income gap? Should we be putting more into his IRA than into mine since he is older than me?”source ↗

“Not sure if we're on track, behind, or just overthinking it, and trying to figure out what to focus on next.”source ↗

“We feel like money is somewhat tight and I don't save as aggressively as I would to.”source ↗

“What I'm trying to figure out: - How are we doing overall for our age and income? - Is work optional by 50 realistic from here and similarly, how's retirement looking?”source ↗

“I wonder, in these very general calculations, if it’s figured for two old folks retiring together, or just one?”source ↗

“Also, does it factor in owning your home or still paying? Renting? Etc.”source ↗

“These investment folks take 1% off the total invested, and I can’t help but wonder if it’s padded so they increase their income as one ages?”source ↗

“I see a lot of people say to have a year's salary saved by the time you're 30 and there's no way we'll have anywhere even close to that so that makes me feel pretty nervous and like we're not on the right track, especially with the nearly 40k in debt.”source ↗

“Again, we don't have anyone we can talk to or ask for advice because we can't tell our families that we make good money and all of our peers have kids and aren't saddled with tons of medical debt, so their goals are totally different than ours.”source ↗

“Looking for feedback on my current plan and allocations (boglehead centric)”source ↗

“Am I on track to retire at 50 not taking into account healthcare costs and social security benefits?”source ↗

“Help me find my FIRE number.”source ↗

“What do you think would be the best way to maximize the additional ~30k/yr in order to achieve the above goals?”source ↗

“Assuming wife and I essentially get Cost of living raises for the rest of our working careers Is my Stretch goal achievable? is there anything gaps in my thought process?”source ↗

“I (32) didn’t give a lick about personal finance until my late 20s and now I feel like I have to punish my self to play catch-up.”source ↗

“26k in 401k (this is the one that is making me feel bad).”source ↗

“I just looking at a lot of people in reddit at my age with 100s of thousands in their 401k and I think I’m doing it wrong.”source ↗

“Is this reasonable? Too conservative? Too optimistic?”source ↗

“Tear my plan to shreds! Please! Does this look alright?”source ↗

“Retirement at ~48 possible? Currently 37”source ↗

“Hi reddit PF - just interested to see if this is a pipe dream. My math seems to indicate it's possible? But 48 seems incredibly young... Slap me back to reality!”source ↗

“I’d like to be able to retire at 60 and keep my same lifestyle. How’re we looking gang? I’m new to this and just started paying attention this year to retirement so looking for genuine advice and not snarky remarks please!”source ↗

“Am I on track for my age? Is there anything I should be doing with the goal of early retirement?”source ↗

“I used ChatGPT to help organize my plan, but I’d like to hear other people’s opinions and experiences and see if my plan can work or if I’m overlooking anythin.”source ↗