Looks like I'm barebones FI. Can't/won't share with anyone IRL, and there's still a LONG way to go but it feels like a milestone in a different way than when NW goes up by 100k or you hit your first million or whatever.
It's very barebones -- which is ok as I never planned to stop working asap. I need to grow the NW more now bc this figure = current monthly expenses * 12 *25. So I haven't even accounted for how to pay taxes or for rent increases (or figured out if/when to buy a place). Kinda proud that that monthly expense number does include a plug in # for health insurance (even though I have employer sponsored health insurance now) -- I used ~$730/month just for me. In times when I've had to take on COBRA for a month here or there it's been $500-700/month, so this seems like a realistic number; though of course no one knows how much more expensive that can get.
Live just outside of DC a few metro stops from the city in a rental. Coincidentally I happened to go out about 15-20 miles to Herndon this weekend to visit a distant relative and then got curious about rental prices there. While Herndon counts as commutable to the city, it's not something I want to deal 2x/day now. But just looking at rental rates -- it looks like I could cut my rent by 300+ (or even like 500+) per month out there. Not something I want to deal with right now when working, but it's like it just occurred to me that when one retires, if they don't own, they can move out someplace a bit "inconvenient" for daily commuting purposes but within the same general area (since there is no more commute) and save like $4000-6000/yr -- thus stretching out the nest egg further!
Now I'm excited to keep the progress going.