Hi guys -- been lurking for a while, figured I'd declare myself here. I don't deserve the name of "Mustachian" -- I'm more like a former Mustachian who married a Spendypants and discovered she liked it a little too much. So I've got some muscles that need building back up, and a husband who just has no desire to change anything (yes, I've read the SO thread; we are all the way back at "hey, there's this interesting blog" bit). Not saying we're horrible -- we always kept fixed expenses to one income, except for one short/bad period, and I made sure we always saved at least 15%. But we're high-income and could have done better. He just has this rather silly belief that if you budget for a category, it's ok to spend that money. :-)
We are 50, and I would say we are probably FI now -- we could lose both jobs and not lose the house. But I am settling on 2025, because that is my target for RE (with "E" being by "normal people" standards, not Mustachian ones), because DS will leave for college in the fall of 2024. The huge time gap between FI and RE is partly because we have a pretty spendy plan for retirement, partly because we both have good jobs that we largely enjoy, and partly because we are both drawing a blank on "what I want to do when I grow up." He in particular is working in advanced tech and trying to create things that don't currently exist, which he enjoys and thinks is really important. We both want to retire *to* something, not just run away from the grind, so I plan to spend the next few years figuring out what that is.
Where we are now is probably at 10x desired future expenses in spendable assets. I need to go do some math to figure our current savings rate, but I'm guessing it's @ 40% of net income. No debt other than mortgages on main house and retirement condo; the former is under 3% on a 15-yr that will be done when we retire, the latter is a 30-yr at 4% but is basically covered by a full-time tenant (we found a great deal during the crash that we couldn't pass up) and will also be paid off by the time we retire.