Hello!
I've been lurking the blog for a long time, but want to finally get my feet wet CONVERSING with some like minded people.
I'm 31, pharmacist located in Oregon. I am married and my husband is "retired" since moving to Oregon 5 years ago, now a stay at home dad. I'm working two jobs, one per diem and one about 30 hours a week, actually averaging close to full time (it deludes me in to thinking I only work part time not being stuck at the same place all the time). Luckily, my husband was a tradesman and can do almost all of the work ever required around here (he keeps busy).
We have no debts. Bought our 20 acre property but putting more than half down, and paying off the rest in a little over a year (I would have bought cash, but we didn't know what kind of expenses we might run into). We own more vehicles that moustache standards would allow, but, driving is a necessity living where we do and having to (currently) commute for work.
I've got about 180K in my 401ks from various jobs. 23k in a IRAs for me.
My husband has about 25k in 401k and 30k in IRA. We have about 25k in our HSA account.
That brings us to about 283k... another 5-10k in stocks (it fluctuates, I don't check). We carry about 10k in our checking account. Additionally I've got, in various betterment accounts (thanks Mr. Money Moustache for introducing me!), 21k in an emergency fund, 26k front loaded into an accountant in my name for my child's eventual school or...??? and 74k in a "build wealth" taxable account.
To sum it up, we save real well. I estimate we have about 400-420k just in "cash" savings of various kinds, not accounting for vehicles, property etc.
I'm not really finding my job fulfilling. It makes pretty good money, but there's not really any possibility to do any more than I'm doing (or anything different in my field, unless we move, and we aren't doing that).
We hope to homeschool and I would like to travel (assuming we can find an arrangement that works and someone we trust to keep an eye on animals and the home while were gone).
A guestimate on MMM calculators is that we're about 6 years from financial independence. I lean towards worst case in my numbers, so that's probably closer to 5 years.
I don't think I plan to stop working entirely, as in my field you need to keep in the game to stay on top of things. But I'm hoping I can average working a day a week or so... but I would REALLY like to find other ways to use my training and background to generate more interesting income.
So, Hello!