Author Topic: Help with downshifting plan  (Read 762 times)


  • Stubble
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  • Posts: 238
  • Age: 45
Help with downshifting plan
« on: August 23, 2018, 06:49:13 PM »
DW and I have $175,000 invested now. Adding $55k/year, about to increase to $62k/year. I'm 42, she's 40 - just found the mustache 2 years ago.

I make $98k, DW makes $85k. Two kids, 13 and 9. Twelve years to go on $260k mortgage at 2.75%.

Four years to go on $40k student loan at 3.5% ($558/month). Three years to go on $11k student loan at 5% ($324/month). Two years to go on $4k home-energy-efficiency loan at 1.9% ($234/month). As those go away we'll put the extra into investments.

What we'd like to do is continue basically as we are for the next four or five years, and then I would downshift pretty dramatically, either part-time in my current role or similar, or switch to something completely different. She would keep working a few more years.

Our investment balances should be about $400-500k at that point, and no debt other than the mortgage. One kid would likely be looking at colleges around then.

Really just looking to tap the hive-mind here. Is this a crazy plan? What should I be thinking about? Is there a calculator somewhere that can accommodate this level of detail?


  • Magnum Stache
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  • Posts: 3462
Re: Help with downshifting plan
« Reply #1 on: August 24, 2018, 10:18:19 AM »
Not crazy but you would get more help with the math in the case studies section of the forum.

Altons Bobs

  • Bristles
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  • Posts: 339
Re: Help with downshifting plan
« Reply #2 on: August 24, 2018, 12:45:10 PM »
Are you assuming the market will keep going up year after year? I think it's about to crash soon.

Have you checked out firecalc or i-orp?