Author Topic: 2024 FIRE Cohort  (Read 195158 times)

wageslave23

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Re: 2024 FIRE Cohort
« Reply #650 on: September 06, 2024, 12:00:50 PM »
I never really understood why grown adults who can go to sleep at whatever time they want, don't just go to bed earlier so they can get the amount of sleep they want.  Whenever I work with younger people who look blurry eyed and miserable every morning, I ask them what time they go to bed. It's usually 12am or 1am. I suggest why don't you try 11pm or even 10pm and see how much better you feel. If you have to wake up at 6am, then go to bed at 1030 pm every night for several months in a row. Nothing you are doing between 1030pm and 12am is worth feeling tired and miserable all day.

I know it takes time to read the comments before you start lecturing, but it is really a good idea.  Nobody in that quote talked about going to bed super late and in fact two people specifically said they weren't sleeping in any later, they just liked not having an alarm clock.  Give your sense of moral superiority a rest for once, would you?

Whoa! Where are you reading moral superiority in my post? You sound like you are attacking me - "I know it takes time to read posts..."?!. I read the posts and responded that it's not necessary to wait until you retire to wake up on your own without an alarm clock.  Why don't you try following your own advice and reread my post without reading it through a lense of defensiveness.  Then reread the post that I replied to - hint: it wasn't yours.  If you aren't going to bed late and you wake up before your alarm clock - great, good for you. Again, I'm not trying to be holier than thou. I legitimately don't understand.  I hate waking up to an alarm clock too, I'm not retired yet, so I make sure that I get in a routine of waking up earlier than I would need to and the easiest way to do that is to go to bed at a time that allows me to get the amount of sleep I desire. I have stopped setting an alarm after waking up before it went off for several years. The poster who responded to me immediately after responded with a thoughtful counter point about people having insomnia and not being able to sleep when they want. And also the point about having friends who stay up late and not wanting to miss out on a social life is also a counter point (I don't think the trade off is worth it but it is a counter point).

Where you assumed they can’t have had your bright, obvious idea to “just” go to bed earlier, or any circumstances you aren’t aware of where they can’t simply choose their own schedule before dispensing advice to do so, that’s where it sounds supercilious & out of touch.

Even when the curiosity or concern are genuine, leading with distributing “just do X” solutions as unsolicited advice (to be fair, this is how you describe it in your post, perhaps they asked?) as well as blanket comments that “nothing” done between certain hours is worth being tired, all suggest you’re more interested in teaching than learning, which makes it sound like you set yourself on a higher level than others.

This is especially likely to be irritating to others when there’s something significant you really don’t know, which you’ve already hinted you wouldn’t be receptive to or aren’t the sensitive concerned friend to whom they’d want to disclose it. Maybe they were thoughtlessly staying up late & ignoring the obvious consequences, which is what you insinuate when you suggest choosing to do otherwise is so easy for all people at all times. Or, for instance, could be their only time with friends or family who work weekends, they may have a “second shift” caring for a dependent relative, they might be dealing with ugly family matters such as abuse where the police were called, they may have to work a second job for various reasons, some people especially while young have a biologically-determined delayed sleep phase & going to bed neatly at 8pm with utmost discipline will just lead to spending the next four hours diligently staring at a dark ceiling. (Second shift jobs are great for these people but not available for everyone.)

I’m certain there are lots of other reasons - I’ve only listed the ones that applied to me at some point!

Anytime the solution seems really obvious but unused, there’s likely something more to the picture you don’t see.

Mmmkay, let's get offended at everything.  Even someone trying to be helpful commenting on someone else's comment on a forum where people discuss topics. Apparently you have everything in life figured out, so no need to consider my advice that was not even directed at you. I shared what I personally found helpful, I would have loved for someone to share that with me 10 years ago.

eyesonthehorizon

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Re: 2024 FIRE Cohort
« Reply #651 on: September 06, 2024, 06:59:53 PM »

Mmmkay, let's get offended at everything.  Even someone trying to be helpful commenting on someone else's comment on a forum where people discuss topics. Apparently you have everything in life figured out, so no need to consider my advice that was not even directed at you. I shared what I personally found helpful, I would have loved for someone to share that with me 10 years ago.

Who’s offended? The reason I dropped in is you literally asked, with a question mark where moral superiority came into your post, which to me seemed obvious - surely you wouldn’t begrudge “someone trying to be helpful commenting on someone else’s comment on a forum where people discuss topics,” that would be too ironic! Nobody actually has to get offended, it’s a weird internet trick, or a FIRE trick, your choice.

What stuck out to other people was that you implicitly assumed these coworkers were illogical in a specific way: bad at understanding cause & effect. Even while calling them “grown adults,” you insinuate they must be cluelessly unaware that sleeping more would make them less tired.

Either because I’m just a glutton for more sneering & spoiling for a fight, orrrrrr, maybe it’s sad to me that you seem to want to help & I believe you about that, but you are for whatever reason presenting like kind of a jerk to a nonzero total of people in the way you talk about this... with the same sincerity as before, in your own words, “I suggest why don’t you try”:

Lead with this bit I bolded in your comment when you talk to people about it, & maybe pause there to see if they ask for more advice. For example: “I used to spend my shift exhausted & had to start going to bed at 10:30 to feel rested. I would have loved for someone to just tell me to do that ten years ago.”

It makes you sound more like a friendly fellow (former) sufferer sharing your experience, instead of the unappointed manager of their off-the-clock productivity.

Maybe it’s just what they need to hear, & you change their life, ten years ahead of what you got! Or maybe not, maybe they have a totally different root problem from what you did. But on the upside, you sidestep calling them clueless to their face or any accidental impression of being a condescending jerk, & leave the door open for them to tell you what’s really going on, so you can discover things you never understood about other grown adults.

wageslave23

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Re: 2024 FIRE Cohort
« Reply #652 on: September 07, 2024, 10:34:38 AM »

Mmmkay, let's get offended at everything.  Even someone trying to be helpful commenting on someone else's comment on a forum where people discuss topics. Apparently you have everything in life figured out, so no need to consider my advice that was not even directed at you. I shared what I personally found helpful, I would have loved for someone to share that with me 10 years ago.

Who’s offended? The reason I dropped in is you literally asked, with a question mark where moral superiority came into your post, which to me seemed obvious - surely you wouldn’t begrudge “someone trying to be helpful commenting on someone else’s comment on a forum where people discuss topics,” that would be too ironic! Nobody actually has to get offended, it’s a weird internet trick, or a FIRE trick, your choice.

What stuck out to other people was that you implicitly assumed these coworkers were illogical in a specific way: bad at understanding cause & effect. Even while calling them “grown adults,” you insinuate they must be cluelessly unaware that sleeping more would make them less tired.

Either because I’m just a glutton for more sneering & spoiling for a fight, orrrrrr, maybe it’s sad to me that you seem to want to help & I believe you about that, but you are for whatever reason presenting like kind of a jerk to a nonzero total of people in the way you talk about this... with the same sincerity as before, in your own words, “I suggest why don’t you try”:

Lead with this bit I bolded in your comment when you talk to people about it, & maybe pause there to see if they ask for more advice. For example: “I used to spend my shift exhausted & had to start going to bed at 10:30 to feel rested. I would have loved for someone to just tell me to do that ten years ago.”

It makes you sound more like a friendly fellow (former) sufferer sharing your experience, instead of the unappointed manager of their off-the-clock productivity.

Maybe it’s just what they need to hear, & you change their life, ten years ahead of what you got! Or maybe not, maybe they have a totally different root problem from what you did. But on the upside, you sidestep calling them clueless to their face or any accidental impression of being a condescending jerk, & leave the door open for them to tell you what’s really going on, so you can discover things you never understood about other grown adults.

If it makes a difference, the coworker I mentioned it to originally commented on my early bedtime which sparked me to tell him why I go to bed "early". At the time, he thought I was lame but a couple years later mentioned how I was right about going to bed earlier making things much easier. When I originally asked him why he went to bed so late he said he would get caught up playing video games or surfing the internet and just became a habit. He thought going to bed early was for old people.  So in conclusion, I don't think I ever came across as condescending to him. I actually make fun of myself for my early bedtime because I know it's unusual. I'm definitely in the minority amongst my friends and family members.

So my original comment was directed to the person who commented that they weren't getting enough sleep while working - only that one poster. Of the people that I discussed bedtimes with, I've never heard a reason other than habit, watching TV, social media scrolling, or gaming. And everyone I've asked about it in real life has said I know I should go to bed earlier but I just don't.  So I posted my comment out of genuine curiosity and also to suggest it. Because although it may be obvious, in real life I've found almost everyone says they should but doesn't.  Almost exactly the same as eating healthy, exercising, and living within your means.  Apparently on this forum everyone has legitimate reasons for not getting enough sleep, that has not been my experience speaking with people in real life. So thank you for your responses. I genuinely find them informational and sorry for my naivety.


ToughMother

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Re: 2024 FIRE Cohort
« Reply #653 on: September 08, 2024, 08:08:32 AM »
@wageslave23  and @eyesonthehorizon  -- Seems like this conversation is now a little more personal and a little less directly relevant to our FIRE 2024 cohort. Perhaps take it to your private messages?

And in the FIRE 2024 cohort vein, congrats @yoda34 !!! Way to get started on your next new adventures.

I just hit my 6 months retired mark. Deciding to rescue some puppies and 6 weeks (so far) of dealing with my first and rather severe covid infection means these 6 months aren't what I expected at all. That said, the ability to just go with whatever is in front of me is such a privilege and relief! I know I would have felt pushed to go back to work before being over this infection and not having that weight is so different. And my ability to focus is much better -- no more being pulled in 80 directions by meetings, slack channels, teams channels, email, and text. And, if I have a poor night's sleep (a common occurrence for me), I don't have to slog through all the work feeling lousy. It's easier managing the pups and having a slower day if I'm tuckered out. All of these things feel like a big difference.

Anyway, sometimes our adventures are grand, like some of the folks who have sold their homes, jumped in an RV and are traveling the states. Others have jumped on a plane and are checking out new continents. And others of us are soaking in more quiet, modest options (at least for the time being). The change and new adventures look different for each of us, but the opportunities are great!

(I'll move the FIRE page on over again and add you to the list @yoda34!)

ToughMother

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Re: 2024 FIRE Cohort
« Reply #654 on: September 08, 2024, 08:09:46 AM »
Bringing the list over to this page and adding a couple of new FIRE'd folks!!
Feel free to message me with any corrections or updates.

FIREd!!!
1/1/2024   @dangbe
1/2/2024   @Bluenose1966
1/13/2024 @phildonnia's DW
1/19/2024 @bluecollarlawyer
1/31/2024 @Money Badger
1/2024      @Irateplatypus (& partner in Feb)
2/6/2024   @ptobest
2/20/2024 @mtnrider
2/24/2024 @doneby35
2/29/2024 @crabby.van.man
2/29/2024 @ToughMother
3/10/2024 @MaybeBabyMustache
3/22/2024 @Bateaux
3/29/2024 @JungYo
3/31/2024 @Must_ache
5/1/2024   @By the River
5/2/2024   @AMStache
5/3/2024   @Ch@d
5/5/2024   @PacificaFog
6/28/2024 @Glenstache
6/28/2024 @Roboturner
7/3/2024   @Holocene
July 2024   @sandsoftime
8/2/2024   @yoda34
9/20/2024 @FrugalShrew
Sept 2024  @Nangirl17
10/3/2024 @aetheldrea 

FI!! (no RE yet, thanks)
Wageslave23
techwiz
Eco_eco
Jade

Plans to FIRE (with date)
2/2/2024     Lienlord
Early 2024   Simpli-FI
4/2/2024     JumpInTheFIRE GAVE NOTICE
4/2024        FireDAD
5/31/2024   Cool Hwhip
6/2024        rmorris
7/9/2024     1SLOLS1
7/11/2024   Anon-E-Mouze 
Fall 2024     zhelud
9/30/2024   frugalecon
12/2024      Ambergris 
12/12/2024 Nobodyinparticular
12/31/2024 subiegirl
Mid 2024     themagicman
Late 2024    Kissthesky 

Plans to FIRE (no date given)
Abe - FI, but not RE
Boganvillia
Brooklynmoney 
Dcarrol
DutchGirl
Lamplighter 
Kaposzta
LadyStash
Marty998
Miss Piggy 
MrThatsDifferent
Nangirl17 - may do OMY
PharmaStache 
Plainjane
PMJL34
Snowball 
Travis
Zaga

O/-LY
2019  Blahhh456 - mini RE
2019? Sisto
2020  begood
2020  Greensheep
2021  Dreams_and_discoveries
2022  ItsALongStory
2022  mspym
2022  Need2Save 
2022  TomTX
2022. WSUCoug1994
2023  Blissful Biker 
2023  navyswim01 
2023  Phryne

O/+MY
2025  jlcnuke
2025  OurTown
2025  Pdxvandal
2025  Asauer
2025  farmecologist
2025  Marblejane
2025  AO1FireTo
2025? snuka
2025? ardrum
2025? scantee
2026  lilkidjesus
2026? BiggerFishToFI
2026? Edwards
2026? Highbeam
2026? Neo von retorch
2026? Turtle
2026? grantmeaname
2027  RWD
2029  dogboyslim
2029  Goose
TBD   garyjames8
TBD   BlueSkyyes
TBD   AccidentialMustache
TBD   MinouMinou
TBD   StarBright (COASTing for now...)
TBD   PA_mtn_biker (downshifted to PT work)
« Last Edit: December 02, 2024, 08:07:20 AM by ToughMother »

FrugalShrew

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Re: 2024 FIRE Cohort
« Reply #655 on: September 08, 2024, 08:15:54 AM »
Yes, coming soon! In the home stretch with 2 weeks to go!!!

ToughMother

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Re: 2024 FIRE Cohort
« Reply #656 on: September 08, 2024, 08:23:21 AM »
Yes, coming soon! In the home stretch with 2 weeks to go!!!

SO EXCITING!!!! Wishing you a great couple of weeks @FrugalShrew !

Glenstache

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Re: 2024 FIRE Cohort
« Reply #657 on: September 08, 2024, 11:46:08 AM »
Yes, coming soon! In the home stretch with 2 weeks to go!!!

Congrats and hope the last 2 weeks go smoothly!

Also, the list of our 2024 cohort a few post up is super inspiring and it makes me happy to see so many names on it!

FrugalShrew

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Re: 2024 FIRE Cohort
« Reply #658 on: September 08, 2024, 05:44:31 PM »
SO EXCITING!!!! Wishing you a great couple of weeks @FrugalShrew !

Congrats and hope the last 2 weeks go smoothly!

Thank you, I'm pretty excited about it myself. :)

Should I be looking forward to not setting my alarm? :P

mspym

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Re: 2024 FIRE Cohort
« Reply #659 on: September 08, 2024, 06:50:04 PM »
Yes, coming soon! In the home stretch with 2 weeks to go!!!
Woohoo! One! Of! Us!

FrugalShrew

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Re: 2024 FIRE Cohort
« Reply #660 on: September 09, 2024, 02:56:36 PM »
Yes, coming soon! In the home stretch with 2 weeks to go!!!
Woohoo! One! Of! Us!

There has never been a crowd I've wanted to join more. :)

eyesonthehorizon

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Re: 2024 FIRE Cohort
« Reply #661 on: September 10, 2024, 03:29:08 PM »
Hooray Yoda34 & SO EXCITED FrugalShrew!!!
... Should I be looking forward to not setting my alarm? :P
YMMV a whole lot, but just personally I found leaving my get-to-work alarm on (not the same as my backup wake up alarm) for some months gave me a concentrated daily dose of blissed-out relief. For a while I used it as a go-work-out alarm, almost giddy from the realization that I was off to do something good for me instead of something that had become really toxic. It was a chance to deliberately bask in the melting of my old anxiety associated with every way my situation had changed & teach myself that I didn’t have to tense up defensively in response to demand cues anymore. Whether that’s needed or beneficial at all is probably pretty individual though. MERE DAYS REMAIN!

@ToughMother sorry to hear covid’s intruding on your first months free, though I'm glad it didn't show up until you could radically rest (which is the best way to avoid lingering effects, so I hope you let yourself keep embracing those slow days much longer than it may feel obligatory.) Every time’s a good time to be surrounded by puppies, at least...

IMO conversations that resolve on light instead of heat are good for the board’s energy, so hopefully it won’t irk ToughMother if I also tag @wageslave23 & say a quick - YES!! - it’s the whole point of the movement, to share success strategies & learn from everybody else, I see you at it. Thanks for sharing your own background data likewise, for the same reason. Stay curious!

Glenstache

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Re: 2024 FIRE Cohort
« Reply #662 on: September 10, 2024, 10:35:19 PM »
Hooray Yoda34 & SO EXCITED FrugalShrew!!!
... Should I be looking forward to not setting my alarm? :P
YMMV a whole lot, but just personally I found leaving my get-to-work alarm on (not the same as my backup wake up alarm) for some months gave me a concentrated daily dose of blissed-out relief. For a while I used it as a go-work-out alarm, almost giddy from the realization that I was off to do something good for me instead of something that had become really toxic. It was a chance to deliberately bask in the melting of my old anxiety associated with every way my situation had changed & teach myself that I didn’t have to tense up defensively in response to demand cues anymore. Whether that’s needed or beneficial at all is probably pretty individual though. MERE DAYS REMAIN!

@ToughMother sorry to hear covid’s intruding on your first months free, though I'm glad it didn't show up until you could radically rest (which is the best way to avoid lingering effects, so I hope you let yourself keep embracing those slow days much longer than it may feel obligatory.) Every time’s a good time to be surrounded by puppies, at least...

IMO conversations that resolve on light instead of heat are good for the board’s energy, so hopefully it won’t irk ToughMother if I also tag @wageslave23 & say a quick - YES!! - it’s the whole point of the movement, to share success strategies & learn from everybody else, I see you at it. Thanks for sharing your own background data likewise, for the same reason. Stay curious!

I too have left my alarm on. When I was working, it was an enemy and one I snoozed until the last possible moment. Over the last few months I've transitioned to waking up before it and enjoying my mornings a whole lot more.

ToughMother

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Re: 2024 FIRE Cohort
« Reply #663 on: September 12, 2024, 09:15:24 AM »
IMO conversations that resolve on light instead of heat are good for the board’s energy, so hopefully it won’t irk ToughMother if I also tag @wageslave23 & say a quick - YES!! - it’s the whole point of the movement, to share success strategies & learn from everybody else, I see you at it. Thanks for sharing your own background data likewise, for the same reason. Stay curious!

Totally agree about resolving on Light!! Thanks @eyesonthehorizon!

You’re getting closer @FrugalShrew!! While I’ve had an unanticipated bevy of retirement “activities,” I’m still team “ahhhhh, retirement!!” 

I’m starting to get to do some things that have long been on my “when I retire list” like contributing to my town (first library board mtg tonight — we are doing a major expansion in a new-to-us building), doing more art (just got my prints accepted to a local cafe’s revolving show - Feb 2025!), have time and focus to read, and picked up knitting this week again. And I’m heading out now to do some house items. All that to say, look at the autonomy! And sprinkling in things I love but couldn’t do before. Highly recommend!

FrugalShrew

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Re: 2024 FIRE Cohort
« Reply #664 on: September 12, 2024, 03:21:54 PM »
I was mostly just being mischievous asking about the alarm, but I love that you gave me real answers, @eyesonthehorizon and @Glenstache! I like the idea of setting one for a little later as a backstop and then waking up naturally before the alarm goes off.

And thank you, @ToughMother, I am counting down the days! Meanwhile, it sounds like you are up to all kinds of fun and interesting things in retirement--adopting puppies, joining the library board, getting accepted to a local art show. You are setting a great example for the rest of us. :)

ptobest

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Re: 2024 FIRE Cohort
« Reply #665 on: September 13, 2024, 07:26:46 PM »
I've now been FIREd a bit over 7 months! I was paranoid about money for a bit, given I was laid off and decided it was finally time to FIRE, but given my net worth has increased in the meantime, I'm actively trying to lay off the paranoia.

I'm definitely moving slow (no big vacations for me outside a week+ camping my way to San Diego and back) and most of my time has been spent increasing the time on existing hobbies. Lots of outdoors time in the beautiful summertime, getting to kayak and hike in the middle of the week when parks are nice and empty. Did a couple volunteer days helping build a new trail extension for a nearby park, which was fun, educational, and a great workout. Endless stacks of books from the library, and spending more time in the kitchen cooking new food. Also, I love going to the grocery store at 10am on a weekday - quiet, mostly empty, and lots of discounted items.

Back when I was working, I usually woke up before the alarm (living in Mountain time and working Pacific time helped with this), but it's lovely to not have the dread anymore, where you wake up and roll over and stare at the clock and know you only have 20 more minutes to lie there (or not lie there) before you have to force yourself through an 8 hour workday.


FrugalShrew

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Re: 2024 FIRE Cohort
« Reply #666 on: September 20, 2024, 07:01:47 PM »
Last day is in the books. I feel such a sense of relief, although it was sad to say goodbye to people. I will definitely miss seeing a lot of my colleagues. But it's been a long week, and I am looking forward to REST.

I'm definitely moving slow (no big vacations for me outside a week+ camping my way to San Diego and back) and most of my time has been spent increasing the time on existing hobbies. Lots of outdoors time in the beautiful summertime, getting to kayak and hike in the middle of the week when parks are nice and empty. Did a couple volunteer days helping build a new trail extension for a nearby park, which was fun, educational, and a great workout. Endless stacks of books from the library, and spending more time in the kitchen cooking new food. Also, I love going to the grocery store at 10am on a weekday - quiet, mostly empty, and lots of discounted items.

That all sounds so nice!

ToughMother

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Re: 2024 FIRE Cohort
« Reply #667 on: September 22, 2024, 08:27:50 AM »
Congrats @FrugalShrew !!! You made it. Now for a little rest and decompression.  I barely moved out of bed and just read a lot that first week.  Your body will know what it needs. Congrats!!

Glenstache

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Re: 2024 FIRE Cohort
« Reply #668 on: September 22, 2024, 12:06:39 PM »
Congrats @FrugalShrew !

Republic DC-9

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Re: 2024 FIRE Cohort
« Reply #669 on: September 24, 2024, 04:26:19 AM »
Congratulations @FrugalShrew !!

Reading these last day stories is inspiring to those of us in future year cohorts (I’m planning late 2025).

Enjoy!!

FrugalShrew

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Re: 2024 FIRE Cohort
« Reply #670 on: September 24, 2024, 10:39:22 AM »
Congrats @FrugalShrew !!! You made it. Now for a little rest and decompression.  I barely moved out of bed and just read a lot that first week.  Your body will know what it needs. Congrats!!

Thank you, @ToughMother!! It is feeling awesome already. I have taken long walks in the morning yesterday and today. It's been awhile since I've just rambled, and it feels so good. With the sun shining, the bees buzzing, the birds chirping...it's so restorative!

Congrats @FrugalShrew !

Thank you, @Glenstache!! I am sooo glad I fended off those job offers. It feels so good to be free!

Congratulations @FrugalShrew !!

Reading these last day stories is inspiring to those of us in future year cohorts (I’m planning late 2025).

Enjoy!!

Thank you, @Republic DC-9!! You are almost there, you can do it!

mtnrider

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Re: 2024 FIRE Cohort
« Reply #671 on: September 24, 2024, 02:26:32 PM »
Checking in: I spent a few months helping family then decided to hike the Appalachian Trail.  Done with that and now I'm ramping up on a new-to-me programming language and reading a book on LLMs.  Gonna be travelling soon.

I miss the people from work.  I sometimes even miss that legacy codebase.  I don't miss the non-productive meetings. 


RWTL

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Re: 2024 FIRE Cohort
« Reply #672 on: September 26, 2024, 10:50:19 AM »
Checking in: I spent a few months helping family then decided to hike the Appalachian Trail.  Done with that and now I'm ramping up on a new-to-me programming language and reading a book on LLMs.  Gonna be travelling soon.

I miss the people from work.  I sometimes even miss that legacy codebase.  I don't miss the non-productive meetings.

Did you hike the whole AT, or a section?  We did Maine this year + a bit of NH.  Tough!

jrhampt

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Re: 2024 FIRE Cohort
« Reply #673 on: September 26, 2024, 02:29:31 PM »
Checking in: I spent a few months helping family then decided to hike the Appalachian Trail.  Done with that and now I'm ramping up on a new-to-me programming language and reading a book on LLMs.  Gonna be travelling soon.

I miss the people from work.  I sometimes even miss that legacy codebase.  I don't miss the non-productive meetings.

Did you hike the whole AT, or a section?  We did Maine this year + a bit of NH.  Tough!

We have section hiked from the Shenandoahs in VA through the WCM traverse in NH.  Stopped about 15 miles from the NH/ME border because the next section would include Mahoosuc Notch so decided to have some fun and hike NH's 48 4ks before we head back to do Maine.  Agree that everything south of NH has so far been much easier.

Roboturner

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Re: 2024 FIRE Cohort
« Reply #674 on: September 27, 2024, 07:24:19 AM »
Congrats to all my fellow FIREes and soon to be FIREers!

Figured I’d share a 3-month update—crazy to think it's been a quarter already. I’m honestly surprised at how busy life has been and just how much you miss out on when work consumes your time. Most of my days now are spent taking my little one to the play gym and going for long walks with my spouse. There have been so many projects that never quite made the list of priorities that are now being plowed through- taking a surprising amount of time with them. We’ve been traveling more too, catching that second wave of mid-30s weddings, which has been a great way to reconnect with friends and get out more. Financially, we’ve been a bit cavalier with spending, enjoying the freedom, and surprisingly, the assets have still grown. The only thing that sucks about it so far is paying COBRA premiums ($2k!) - I'll have to figure out a long term solution at some point...

It’s incredible how much more life opens up when work isn’t your main focus. 10/10, would highly recommend pulling the ripcord!
« Last Edit: September 27, 2024, 07:32:52 AM by Roboturner »

Simpli-Fi

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Re: 2024 FIRE Cohort
« Reply #675 on: September 27, 2024, 10:10:38 PM »
The only thing that sucks about it so far is paying COBRA premiums ($2k!) - I'll have to figure out a long term solution at some point...!
The one single reason I remain with a W2…working on the deep rooted psychological issues to make me braver.

joshrosenthal5000

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Re: 2024 FIRE Cohort
« Reply #676 on: September 28, 2024, 06:54:52 AM »
I couldn't find anything for 2024 FIRE cohort (Someone please redirect me if I am missing it!) so I wanted to make one!

As of now the spreadsheet is projecting us to reach it at the very end of the year.

Who else is projecting to FIRE sometime in 2024? Less than 10 more years to go!

Role call for anyone who joined in 2015 and in FIRE mode now.

mtnrider

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Re: 2024 FIRE Cohort
« Reply #677 on: September 29, 2024, 09:43:33 AM »
Did you hike the whole AT, or a section?  We did Maine this year + a bit of NH.  Tough!

Yes, Maine was tough!  Very remote.  My body was pretty worn out by then too.

I hiked the whole AT.  It was beautiful!  I only had four months due to previous schedules.  I do wish I could have taken an extra month or so.  I would have slowed down in the Grayson Highlands, the Shenandoah NP, NH and Maine to enjoy them more.

RWTL

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Re: 2024 FIRE Cohort
« Reply #678 on: September 30, 2024, 12:41:12 AM »
Did you hike the whole AT, or a section?  We did Maine this year + a bit of NH.  Tough!

Yes, Maine was tough!  Very remote.  My body was pretty worn out by then too.

I hiked the whole AT.  It was beautiful!  I only had four months due to previous schedules.  I do wish I could have taken an extra month or so.  I would have slowed down in the Grayson Highlands, the Shenandoah NP, NH and Maine to enjoy them more.

Congrats!  Four months is fast.  You were really moving!

BlueSkyyes

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Re: 2024 FIRE Cohort
« Reply #679 on: September 30, 2024, 04:46:16 PM »
I just noticed that somehow I made the already retired list. That is a mistake. Although I had planned to retire this summer, I have not yet pulled the cord.  I may still retire this year or I might move into the 2025 cohort. My numbers seem good. I'm just over 2M not counting any home equity and my average expenses are typically 60k. This year they've been higher (70k) due to some really expensive last minute travel to visit family that have passed away and some very expensive treatments for ailing pets. However, my house could use a new roof and my carpet is in desperate need of replacement, so I am considering what working a little bit longer to cover those bills without having to dip into the stash.  Plus I have some senior pets that are requiring a lot of medical attention right now, So even if I retired, my plans for travel would have to be significantly delayed until they are no longer with me.  Perhaps I am just talking myself into OMY.  It is surprisingly hard to make the decision to walk away. However, everyone's stories of the vRE life are inspirational and make me reconsider this OMY thing.  I WFH so I already am lucky enough to have no commute and most days my work schedule isn't that demanding either.
Anyway, wanted to say congrats to all those who have bravely made the decision to RE this year.

Turtle

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Re: 2024 FIRE Cohort
« Reply #680 on: October 01, 2024, 07:43:23 AM »
I just noticed that somehow I made the already retired list. That is a mistake. Although I had planned to retire this summer, I have not yet pulled the cord.  I may still retire this year or I might move into the 2025 cohort. My numbers seem good. I'm just over 2M not counting any home equity and my average expenses are typically 60k. This year they've been higher (70k) due to some really expensive last minute travel to visit family that have passed away and some very expensive treatments for ailing pets. However, my house could use a new roof and my carpet is in desperate need of replacement, so I am considering what working a little bit longer to cover those bills without having to dip into the stash.  Plus I have some senior pets that are requiring a lot of medical attention right now, So even if I retired, my plans for travel would have to be significantly delayed until they are no longer with me.  Perhaps I am just talking myself into OMY.  It is surprisingly hard to make the decision to walk away. However, everyone's stories of the vRE life are inspirational and make me reconsider this OMY thing.  I WFH so I already am lucky enough to have no commute and most days my work schedule isn't that demanding either.
Anyway, wanted to say congrats to all those who have bravely made the decision to RE this year.

Different necessary house expenses, but very similar situation here.  At one point I thought there was a possibility of getting laid off this year and that would have been it.  However, due to making it easier for the home improvement loan, I’m still hanging in until early 2026.

MinouMinou

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Re: 2024 FIRE Cohort
« Reply #681 on: October 01, 2024, 07:25:42 PM »
Hopping out of 2024 to unknown future time…

aetheldrea

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Re: 2024 FIRE Cohort
« Reply #682 on: October 02, 2024, 06:40:35 PM »
I had taken a promotion in a different office this February. Today my whole department came outside and waved goodbye to as I drove out the gate for the last time. Very touching. Teared up a bit as I was getting on the freeway.

Turtle

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Re: 2024 FIRE Cohort
« Reply #683 on: October 04, 2024, 12:09:43 PM »
I had taken a promotion in a different office this February. Today my whole department came outside and waved goodbye to as I drove out the gate for the last time. Very touching. Teared up a bit as I was getting on the freeway.

That was a nice send off.  Congratulations!

Nobodyinparticular

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Re: 2024 FIRE Cohort
« Reply #684 on: October 10, 2024, 01:21:58 PM »
Well, it is official now.

The process has a few details, but as of December 12 I will be happily unemployed.



Republic DC-9

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Re: 2024 FIRE Cohort
« Reply #685 on: October 11, 2024, 04:21:38 AM »
Well, it is official now.

The process has a few details, but as of December 12 I will be happily unemployed.

Congratulations!

That must feel wonderful to be so close!

Nangirl17

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Re: 2024 FIRE Cohort
« Reply #686 on: October 12, 2024, 12:50:16 PM »
Hi everyone, hopping back on here to say that I pulled the plug last month. I’ve not been working for over a year (some still-undiagnosed health issue has prevented me), but finally conceded that I’m not going back, and ready to embrace retirement - the year that I originally predicted!

… now I’m off to read what you all have been up to since I’ve been awol and become a bit more active here!




Glenstache

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Re: 2024 FIRE Cohort
« Reply #687 on: October 13, 2024, 11:44:55 AM »
Hi everyone, hopping back on here to say that I pulled the plug last month. I’ve not been working for over a year (some still-undiagnosed health issue has prevented me), but finally conceded that I’m not going back, and ready to embrace retirement - the year that I originally predicted!

… now I’m off to read what you all have been up to since I’ve been awol and become a bit more active here!
A belated congrats, then! Welcome to the plug-pulled club.

AMStache

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Re: 2024 FIRE Cohort
« Reply #688 on: October 13, 2024, 04:56:52 PM »
I was laid off on May 2nd and with an $8M portfolio not including real estate, decided to retire.   My husband had been telling me over the last several months that I should retire due to job stress (he is a stay at home dad), but I had a mental block due to the pretty nearly free health insurance for my family through my work, as well as my employer’s 10% 401k match. 

Well, my employer made the decision for me.  They are covering health insurance through the end of next May.  We will purchase on the exchange when the time comes. When our financial advisor took us through all of the simulations and we discovered that, no matter what, we were at a 99% success rate, all of the angst about retiring fell away.

I am having a blast!  I signed up for Rover and get paid to play with other people’s dogs.  I love grocery shopping mid-week in the morning when no one is around and all the discounted stuff is newly placed out.  I go on mid week hikes, read tons of library books, binge watch Netflix if I feel like it, etc.

Every Monday I am still waking up with a huge grin on my face.  Life is good!

Miss Piggy

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Re: 2024 FIRE Cohort
« Reply #689 on: October 13, 2024, 06:12:15 PM »
They are covering health insurance through the end of next May.  We will purchase on the exchange when the time comes.

Depending on whether you've met your deductibles next May, it MIGHT end up being smart to consider COBRA for the remainder of 2025. Otherwise, you may have to start all over with deductibles.

AMStache

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Re: 2024 FIRE Cohort
« Reply #690 on: October 13, 2024, 09:29:30 PM »
They are covering health insurance through the end of next May.  We will purchase on the exchange when the time comes.

Depending on whether you've met your deductibles next May, it MIGHT end up being smart to consider COBRA for the remainder of 2025. Otherwise, you may have to start all over with deductibles.

Current annual deductible is just $200 per person and $600 for the family, so not really a factor, but thank you for thinking of it.

Miss Piggy

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Re: 2024 FIRE Cohort
« Reply #691 on: October 14, 2024, 06:45:23 AM »
They are covering health insurance through the end of next May.  We will purchase on the exchange when the time comes.

Depending on whether you've met your deductibles next May, it MIGHT end up being smart to consider COBRA for the remainder of 2025. Otherwise, you may have to start all over with deductibles.

Current annual deductible is just $200 per person and $600 for the family, so not really a factor, but thank you for thinking of it.

Damn - those are some fantastically low deductibles! Unheard of in my circles!

Roboturner

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Re: 2024 FIRE Cohort
« Reply #692 on: October 15, 2024, 09:20:09 AM »
They are covering health insurance through the end of next May.  We will purchase on the exchange when the time comes.

Depending on whether you've met your deductibles next May, it MIGHT end up being smart to consider COBRA for the remainder of 2025. Otherwise, you may have to start all over with deductibles.

Current annual deductible is just $200 per person and $600 for the family, so not really a factor, but thank you for thinking of it.

I'll also plug COBRA depending on your Heath insurance, I couldn't find anything near as good for the same price on the exchange in CO - YMMV

Beyond that, congrats on the FIRE!

StarBright

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Re: 2024 FIRE Cohort
« Reply #693 on: October 18, 2024, 02:16:30 PM »
Updating as we roll into the end of 2024. I just started a coast-FI adjacent job at the beginning of the month.

Less pay, fewer hours but in a field I am excited about instead of a well-paid tech job in an area I am not interested in. I'm hoping to do this for another couple of years (kids are expensive!).

Turtle

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Re: 2024 FIRE Cohort
« Reply #694 on: October 20, 2024, 11:28:09 AM »
Updating as we roll into the end of 2024. I just started a coast-FI adjacent job at the beginning of the month.

Less pay, fewer hours but in a field I am excited about instead of a well-paid tech job in an area I am not interested in. I'm hoping to do this for another couple of years (kids are expensive!).

Fewer hours is good, especially with kids.  Downshifting to something which you find more interesting and enjoyable is also good.  Sounds like a quality of life win, for certain.

eyesonthehorizon

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Re: 2024 FIRE Cohort
« Reply #695 on: October 20, 2024, 01:47:14 PM »
@Nobodyinparticular - Congratulations in advance!

@AMStache - Congratulations! I'm glad you decided to take advantage of the disruption - paying for health insurance is probably a minor expense, compared to needing more of it due to stress-induced health risks, let alone your newfound freedom of time. The insurance industry is simply terrible in the US no matter how you slice it, but the healthcare marketplace is pretty friendly & helpful. I find it easier to use than my ex-employer's system even with a lot more choices.

@Nangirl17 - sorry about the circumstances leading to leaving, but congratulations on being prepared for the need! It's becoming a very common situation among younger folks the last few years, but most of them weren't on the FIRE path when it happened so there's no silver lining to it. Hopefully the relieved pressure does you good.

AccidentialMustache

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Re: 2024 FIRE Cohort
« Reply #696 on: November 06, 2024, 09:01:10 PM »
I'm out. Far to much risk to the ACA right now to be quitting in '24.

BlueSkyyes

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Re: 2024 FIRE Cohort
« Reply #697 on: November 11, 2024, 05:01:03 PM »
I think like @AccidentialMustache, I'm officially moving to OMY. I'm deeply concerned about ACA going away and need my health insurance. I'm also concerned all these tariffs and other bad economic policies are going to drive us into a recession and/or get inflation running hot again. Darn shame. Until last week I really assumed I would be pulling the plug at the end of the year.

ToughMother

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Re: 2024 FIRE Cohort
« Reply #698 on: November 19, 2024, 07:58:52 AM »
Hi Team 2024.

I think I just caught up on all the changes, moving folks to the FIREd list (CONGRATS are in order regardless of how you landed here!) and some to the TBD list as we see what is ahead re: the ACA and economy.

Quick update from me while I'm here -- I'm FINALLY happily engaged in activities that had been on my "When I'm FIREd list" forever!
  • I'm now on our town's library board which is very active since we were donated a building to turn into an Annex and eventually a new library. Our current building is from the early 1800s and is too small for activities and isn't accessible at all (ADA or otherwise).
  • I'm also working on materials for an art exhibition in February.
  • I'm doing a few hours of work a week for our university's system office which I'm loving.
  • After years of being a desk jockey and having NO time for anything movement-oriented, I'm finally taking a weekly yoga class and a fitness class.
  • And I'm a devoted rescue puppy mama!

I'm fortunate that I purchase my health insurance through the state as part of my retirement benefits although the ACA has key provisions re: pre-existing conditions that may hold a significant impact. I'm also subject to the WEP/GPO so my SS benefits were never going to amount to much (although a bill repealing these penalties just passed the house!). Anyway, a lot of uncertainty ahead for us all in some form. That said, my capacity for such things is is much greater now that I don't have work-stress. That is the best part of all thus far.

Wishing everyone wellness and ease, and as always, let me know if there is something I need to modify on our cohort list!

PA_mtn_biker

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Re: 2024 FIRE Cohort
« Reply #699 on: November 24, 2024, 05:48:07 AM »
Update,
I went part-time in May.  Going to continue to work PT for the near future.  I have concerns about the ACAs future.  PT was originally  supposed to be a short term transition into retirement, so hopefully the company will be willing to accommodate a longer timeline.  So will be working at least into 2025. 

So far it has been working fairly well for both me and the company.  I'm flexible enough to work more when needed, and then have less hours other weeks.

 

Wow, a phone plan for fifteen bucks!