FIRE

canadianragweed

100% agree with that and some people may thoroughly enjoy the retirement life. FIRE will depend a lot on who you marry, if you do. I can not put enough emphasis on that. BTC investing won't get you there alone, not today. I don't think we are "still early", we're maybe prompt. BTC trading might get you there but, that's just a gamble that most will lose.

expatfreedom

That’s cool and it’s great that you know yourself and what you want. But even if retirement can get boring after a few years I think it’s still super important to have the RE component of FIRE so people are able to be a stay home dad, start a new business, travel or pursue hobbies etc. whenever they want to or if they need a break from their full time job grind. Congrats on the success in career and family life!

JamesKrahula

Says the woman who doesn't believe in the FIRE movement but wants you to do everything the FIRE movement tells you to do except the retire part.

expatfreedom

Wow those insurance numbers are crazy, thanks for sharing. Your username checks out haha I had no clue it’s that much for people in their 50s. I thought my current $300 dollars a month was expensive, so my FIRE plan is to use geographical arbitrage to live in a country that will have free or very low cost health insurance compared to the U.S.

expatfreedom

That sounds like a great plan. You could use the traditional FIRE safe withdrawal rate of 4% and just use it to cover your yearly expenses, while still holding so that you can do the same thing again next year.

urbangamermod

I’m hoping by 15 years…😅 I want achieve FIRE and do not want to work in my 50s

random_user_428134

I wouldn't do anything before February 2025 at the earliest b/c I'm still in short-term cap gains territory. But I'm gonna hold this through the next halving cycle at the very least. If that cycle and hitting my stretch FIRE goals coincide - well, then I might so a little selling.

random_user_428134

My FIRE number is 6.67M. That generates $200k/year at a super conservative perpetual number of 3%. My stretch FIRE number is 8M. That generates $20k/month at 3%. If I reach the first goal I'll feel comfortable but will probably not rest until I hit my stretch goal.

Huge_Monero_Shill

Everyone on reddit is either entirely broke and could never get ahead because of "the system" or makes $200k a year with some tech job. Or so it seems if you browse the FIRE subs..

Huge_Monero_Shill

What's your number? 4.5M is like mid-Fat FIRE range.

confuzzledfather

Has anyone successfully bridged the period between quitting work and BTC hitting their FIRE number by using short term unsecured credit to cover living costs for years at a time? I am getting itchy feet.

dmx442

I need BTC to double from here so I can finally fuck of into FIRE. So close

btcangl

Well FIRE where you need $3m or $4m to retire in the US can be easily on sale in many other places in the world where you can live a great life for $20k/year not even just somewhere in cambodia or vietnam. In many places in europe you have more than locals with $20k/year. Also if you are good in crypto and better than the average guy you should be able to make a little more than 2% a year and thats already just based on $1m in Bitcoin. So thats just about 15 Bitcoin right now.

Pdx20182018

Not quite FIRE, but I built my own calculator for what I believe is the best way to project future prices at http://bitcoinpower.law You can use it to see how your stack will grow in value for however many years you want under different scenarios, with or without DCA. Still a work in progress 😄

DarthBen_in_Chicago

For the real nerds out there, use the [Bitcoin FIRE Calculator](http://bitcoincompounding.com/)

customtoggle

Line goes up, revel in your paper gains. Line goes down, FIRE SALE There is no losing with bitcoin 😎

instant_king

Let me offer a second perspective to that. Assume my FIRE number to retire is a million with 4% annual expense planned, which is 40k, and assuming that I have that million in BTC only. I retire, yay. Then i need to sell BTC every year to live. Assuming that the next year Bitcoin goes down 70% like it does often during a full 4 year cycle. At that time my net worth is only 330k. Well, it may get better after 1-3 years for bitcoin but i’m pretty sure that one year would feel very shitty as a first year of retirement. Could the same thing happen with stock? Maybe, yes :). But let’s just say it has not lost 70% or more every 4 years since their creation.

Ajax_ZQN

This idea is FIRE.

Capital_High_84

And if you don’t have that much, how do you FIRE? Not sure what lean or fat is.

TTOVpodcast

I talk with Trey Sellers, VP of Enterprise Sales at Unchained. Unchained are global leaders in collaborative custody solutions for Bitcoin with their Unchained Vault product that uses a multi-sig arrangement so that there is never a single point of failure for your Bitcoin. We discuss some of Trey’s writing about the FIRE movement: Financial Independence, Retire Early, and how a low-time-preference strategy of saving and investing can help you achieve financial independence earlier in life. We also discuss some of the fundamental metrics for tracking Bitcoin adoption. Finally Trey shares Unchained Connections, a new way to help friends and family to custody their own Bitcoin and get it off of exchanges.

renegadegho5t

Thanks for the highschool investing class. I max my Roth IRA every year and almost max my 401k as well. I’m good with money, doesn’t mean I can buy the 200k house in a decently safe area that’s double the payment and double the price it was in 2019. I CAN retire in 10 years because I know what I’m capable of, I’m looking at making upwards of 200k by 2026. Go ahead and work until you’re old and decrepit tho, I’m going to keep going hard until I can FIRE in 10-20years.

Chickienfriedrice

FIRE SALE. Buying all the way down and all the way up!

RuralDisturbance

Weed does that, it gets way down deep and brings whats already there out. Its great for that, most people complain about it because it makes you super self aware. Accumulate as much bitcoin as possible for the next 8 years (2x full cycles) and use the bitcoin FIRE calculator to calculate your DCA out (Retirement) I already did my 8 years so now bitcoin is starting to pay for serious things, an economic car outright, dental implants, my kids sporting activities and travel. Yet I continue to stack, and in the next 5 years bitcoin will pay my yearly living expenses for the rest of my life, I will be 52, by 62 bitcoin will be paying me the equivalent of 800k a year. https://bitcoincompounding.com/

aokamon

1. r/EtherFIRE - it's quiet but r/cc is more a gambling forum than for long term investing/FIRE/retirement planning 2. Yours are paper gains, you've made nothing until you realise it by selling into fiat or real world commodity, property, etc. 3. Becoming a first time homeowner is life-changing in a massive way

jaskidd05

Spain there? Xd Tbh… if I were in your situation, I won’t be afraid, I’d take a loan and do a big initial payout -40/50% of the house- while staking (from the staking of such a huge amount, you can pay the rest of the house within the payouts, but that’s just me to reduce the amount of eth you are unloading, but that’s just what I would do in your situation, as long as from the tax perspective you are ok (cashing out big chunks maybe more impactful on the bill, thus, smaller portions are better) Btw.. congrats on your FIRE roadmap successfully executed :-)

ST-Fish

>That's an insane amount compared to the average salary in my country. >I've been considering buying a house that would significantly improve my quality of life. It costs around $700k. What's the average salary in your country, if a self admittedly "penny-pinching" person would buy a 700k house? If I was in your position I think there are 2 options: 1. Cash out everything now, put it into an index fund and retire fully. 2. Wait for the next bull run and try to cash out relatively early, when you have at least 5 mil. I think that if you waited so long until now, you can wait a couple more months or years to get a bigger cashout, but that always comes with a higher risk. That being said, considering the current rates for real estate loans, and pricing in general, I'd probably avoid buying a house now. You can just have your money in an index fund, FIRE, and rent until the market is more favorable to buyers. To be honest, if I had that type of money and could FIRE I wouldn't even think of buying a house, as it would kinda lock you in place. If you don't have any work you can travel, you can live anywhere at any time, so I don't get the obsession a lot of people have about owning a house.

_TheWolfOfWalmart_

>I just learned about this project and it's looking like HOT ~~FIRE~~ GARBAGE ftfy

Nightmare_Tonic

JUST PUT ABOUT $15K INTO IOTA!!! let's do this baby!! I just learned about this project and it's looking like HOT FIRE

BOBTheOrigin

Ja klar, hier bitte: https://www.bafin.de/SharedDocs/Veroeffentlichungen/DE/Verbrauchermitteilung/weitere/2024/meldung_2024_02_20_FIRE_Group.html

Cultural_Net_5216

bitcoin FIRE calculator model 6 says 0.24 bitcoin with be worth 2.2 million USD in 2044. [https://bitcoincompounding.com/](https://bitcoincompounding.com/)

Captain_Planet

I don't get why FIRE people hate it so much. Even just investing into during the last cycle would have got them into their early retirement. It was literally their golden ticket to achieve the thing they want the most yet still dismiss it and continue to live on their daily beans and rice diet.

Clearly_Ryan

Still banned from the FIRE sub for talking about Bitcoin in 2019... when it was trading between 5-7k. Dumb fucks, I'm retired in my late 20's and I guarantee if I were to share my story again on a new account I would still get banned.

DeoVeritati

I'm not sure what you are watching, but most of the FIRE subreddits would estimate 5-10% annual increase in their portfolio YoY. This is not the same as inflation. They typically estimate 3% as the average YoY inflation because that's about where the US FED is targeting to maintain. They further usually point towards the Trinity study which backtested nearly 100 years worth of 30 yr time periods to get to the 4% rule where you just estimate your annual expenditure in retirement, multiply by 25, and that is your target FIRE number in an adequately diversified portfolio. Some of the FIRE subreddit is open to moonshot investments like bitcoin, weed stocks, etc. that have a high potential for growth but they usually are pretty conservative with how much they are willing to keep, myself included. Nothing about being an idiot. People have different risk tolerances and justifications for their beliefs.

GenoPax

Well, we’re one step better than HOA leaders. It’s a weird space full of FIRE, optimistic socialists, libertarians, cynical capitalist, fin bros, cyber punks, VCs, normal people moving up the “risk on” ladder but scared of leverage.

Easy-Yogurt4939

I sorta get it. FIRE people can’t and don’t want to stomach the volatility and it’s understandable. Regularly dropping 20% and goes up 50% doesn’t fit their style. Had those folks invested in bitcoin, they likely panic sell every dip and end up losing money. Although they will have indirect exposure in time when bitcoin becomes a common strategic asset for companies and many companies buy and hold it.

diterman

Average FIRE subreddit user: "Past performance does not indicate future results. Bitcoin is a speculative asset not an investment" Buys an ETF consisting of 3500 companies while barely being able to name 25 of them for the rest of his life solely based on past performance.

OldschoolChebys

Pleeaaseee FIRE SALE OPPORTUNITY. DROP BELOW 50K AND WE BUY AT A DISCOUNT

Captain_Planet

Yeah it is crazy. Holding BTC for the last few years would have got those chumps their FIRE dream. Instead they have been eating noodles and beans in the dark for the last 10 years.

irisuniverse

My guess is most of them realize they could have gone FIRE years ago if they bought bitcoin early and that is why they are so bitter about it.

the_lone_unlearned

so true. FIRE folks are extremely focused on index funds and nothing else. A number of years ago I mentioned reaching FIRE thanks to Bitcoin and they HATED it. Some people view FIRE simply as optimizing spending/saving/investing in order to retire early. But lots of people view it very specifically as investing only in index funds and then living on the 4% rule, and nothing else, and it seems the FIRE subreddit is full of lots of those type of people from my experience lurking there a bit years ago.

Ancient_Potential_96

I've noticed it too. I've been downvoted so many times. Why do you think that is though? Even though their arguments against Bitcoin are bad, I still feel uneasy talking to them. Growing up in a fiat world, I was conditioned to look at FIRE'd people as very successful - so it's probably because of that

RebelliousRoomba

The FIRE movement is completely sold on Vanguard ETFs which I always found to be odd.

LunaGuardian

It can be hit or miss. A very big chunk of us are only within reach of FIRE because of bitcoin. I've seen it brought up a couple times with a handful of up votes, other times not.

bittercoin99

FIRE sub wants nothing to do with the best performing asset of the last decade donchaknow. 🤡

jrange27

Yeah don’t bring it up in FIRE or they will crush you immediately! 😂

Huge_Monero_Shill

The better your life, the higher the number that is "life-changing". For me, that's getting to 'work-optional' level with some high level of confidence that that is sustainable. The trad FIRE community puts that at 25-30x invested assets to your annual expenses, but being heavily weighted in BTC it's tough to have the confidence if I hit that number today to actually unplug from income - even though I strongly believe in the asset.

Intrepid-Cat9213

BTC has higher volatility than the traditional portfolio that leads people to a 4% SWR. That means the sequence of returns risk is higher. That means I would keep 4 years of cash or short term liquidity on hand and lower the SWR to 3% if I was doing a BTC only FIRE plan. In my case I'm going to keep rebalancing my portfolio to keep BTC between 25% to 50% of the total assets. My SWR is somewhere between 3% to 4%. I'm pretty much there but haven't pulled the trigger yet. Maybe a good bull run in BTC this year will give me the confidence to do it.

wkndatbernardus

I've been considering this question lately since I plan to sell my house in the spring and FIRE. Right now, I'm 25% real estate and 75% total stock market index so, when I sell, I'll put ~$200k in a Bitcoin ETF and keep holding the rest of my stash in VTSAX. My plan is to withdraw from each allocation bucket (equities and BTC) depending on performance year to year. My spend will be about $40k/year. NW will be ~$950k.

todwardscizzorhands

Monk was on FIRE today

Cultural_Net_5216

I don't expect bitcoin to be widely accepted, but I do expect it to be become a widely held reserve asset because of its anti FIAT nature. Native currency is important, I dont like it, but its true, I am forced to transact in my native currency every single day, as are most of you, bitcoin is not going to fix that, bitcoin can back our native currency one day, but it wont replace native currency. So with that being said, I use something like the bitcoin FIRE calculator to create a laddering out structure. With this its wise to accrue as much bitcoin and hold as long as possible (8-10 period for retirement) after that bitcoin will start paying you a yearly salary from a fixed percentage exchange to FIAT each year after a certain amount of value has been gained, say 10-15x the original investment. Using model 6 I will be very well off by 2028, bitcoin will be paying me 6 figures a year every year for the rest of my life after 2028. What good are these insane gains if I'm not taking advantage of them? I wont collect bitcoin forever and then just die and either 1. have it locked in cold storage forever or 2. have it be squandered by family who don't respect what I built and strived for my entire life.

Coininator

Check out FIRE (financially independent, retire early) and the „Trinity Study“. Your assets (excluding primary home) put mostly in stocks (ETF) should be 25x your annual expenses. If you don’t own a home, your expenses will be higher (so you need more assets). If you own a home, don’t include it in your assets because it generates no revenues.

LightningHosted

I've been on coast FIRE for about 3 years. We had two kids during that time and I'm primarily a stay at home dad atm. My wife has taken the opportunity to start a YouTube channel that she works on part time and covers all our bills.

atreyuthewarrior

Same Coast FIRE

originalrocket

Nah.  Sell orders set.  Just need a pop.  I'll buy back in at the next crash down.  But profits go to traditional investments for early FIRE.

Charming_Success7525

I'm about to coast FIRE with Bitcoin. My strategy is simple, live below my means and only sell when I need the cash. Although, I'm selling some of it in a few months from now to increase my emergency fund from 6months of living expense to my annual salary. DCA-ing throughout my first bear market has been paying off.

SmokyMountain5

Almost everyone in the FIRE sub will advise you to get out of crypto investing.  They don’t see any difference between that and Bitcoin.  They call it gambling.  There’s no way to help them.

Shivaonsativa

I didn't know FIRE was against Bitcoin. You'd think they'd see it as a massive opportunity to, I don't know, retire early perhaps.  The number of people becoming financially independent from Bitcoin is higher than any other asset. Financially independent retire early is pretty much Bitcoin.

Secret_Operative

For me this wasn't easy at all. I had the chance to make that choice a decade ago and decided to hodl and rent. Now I managed to own a place, I have the same amount of bitcoin as 10 years ago, and I was hardcore into FIRE so I'm also not working now. If I bought the house in 2014 I would not be in the same situation now.

ABahRunt

1 year's worth of expenses. Or as the FIRE community likes to say, 1x. A dollar amount does not actively reflect the picture for rest of the world, where, most of the world tends to live

betterluckythengood

Are those suggested FIRE numbers per person, so a couple would be double that?

110010010011

My FIRE goal is $5M USD, which is classified as “Chubby FIRE” is the US subreddits. This is compared to Lean FIRE (around $1M) and Fat FIRE ($10M+). With a super conservative withdraw rate of 3%, I plan to withdraw $150k per year, growing with inflation. If you retire in your 30’s I would caution withdrawing more than that 3% of holdings. So, my goal would be 71 BTC today or maybe just a bull run or two with my current stack.

Generationhodl

I guess you would need a woman with an equal amount of wealth or more so that you don't have to stress yourself out about losing money. I don't know if this kind of perspective is going to make you happy longterm, but then on the other hand, only you yourself know what makes you content and happy in life. Your problem is understandable, marriage is always a risk for the own wealth, and as you said, prenups can work but there is still a chance that it will fail.. Being single and having an amount of wealth that opens all doors must be fun and awesome, but I'm pretty sure that you still want to have someone special in your life at one point in the future.. I want to go into FIRE Mode in the next years if it will be possible, but I still want a wife and an own family.. I'm thinking about switching jobs, learning something new to be more flexible and work the amount of hours I want to do and not my employer tell me to do.

the_lone_unlearned

nice job. Coast FIRE is respectable. I retired on around that percentage of Bitcoin about 5 years ago (FIRE, no Coast). Let me tell ya, it feels damn good to retire young thanks to Bitcoin, even if its just Coast FIRE. Congrats in the near future on reaching that!

ModernRefrigerator

That's a great time man, traveling the world, no cars no house. Currently enjoying that as well 🤜🤛 Out of curiosity, how do you calculate your FIRE? 4% rule? You gotta wonder if that 4% rule applies to Bitcoin when SP500 grows annually by 10% and Bitcoin about 200%. Obviously those returns won't be as high in the future but makes me think about it...

Charming_Success7525

[95%](https://www.reddit.com/r/Bitcoin/comments/1c1zjfu/what_to_do_if_you_have_95_of_your_nw_in_bitcoin/?utm_source=share&utm_medium=web3x&utm_name=web3xcss&utm_term=1&utm_content=share_button) No car and no house. I just rent and travel the world. If Bitcoin hits $100-150k. I can now fully Coast FIRE.

dmx442

FIRE category of money.

HOBrTheBailiff

Happy Bitcoin piz...OH MY GOD KILL IT KILL IT WITH FIRE!

2xfun

Listen ... Of the the keys for reaching FIRE is to live frugally and almost become a minimalist. Sell everything you haven't used in the last 6 months... Always cook and home... etc...

MoarStu

Absolutely, real estate is a hard asset and is scarce, it’s obviously not divisible or fungible but it’s a necessity to live. Also owning a house creates wealth and the way we print money, housing will always go up plus we are 5-7 million single family houses short in the United States and builders have zero incentive to see that supply shortage diminishing bc of simply supply/demand economics. My goal is to pay off my mortgage and become debt free, so I can achieve FIRE.

RealCheyemos

*got rich from buying BTC back in 2013 guy checking in* 1.) it’s fucking awesome. 2.) I’ve been a career server since I was 16- feels *really* good to be able to FIRE/retire (did two weeks ago and I swear I’ve just been eat, naps, gym and watching NBA playoff basketball and seeing my girl at her lunch times everyday… it’s not getting old. 3.) I’ve bent pursuing my acting career since high school and my agent has been getting me a lot of auditions, so I’ve been loving that; haven’t gotten *a lot* of traction yet, but I’ve been making so much meaningful independent art/film that it doesn’t even matter. I know you guys will get there too; just keep stacking and keep HODLING: I just got in “early,” but we’re still so early that is actually mind boggling; todays prices of 65k per BTC *will seem like (relatively speaking) my 2013 purchases of $150 per BTC 20 years from now. Bet it. Love you guys, love this community. We’re all gonna make it- we’re on the BTC life raft and nothing can stop us. 🧡

d_m_916

The FIRE subreddit is all doom and gloom https://www.reddit.com/r/financialindependence/s/QYt2PyKGuP

mattymoyanksfan

It is nice to be able to make up what ever you want on the internet isn’t it? I am not your mate and know what FIRE is. You are not in that category. Which your ignorance has proven. Unless you are a silver spoon baby…which you will likely piss away with your “sound” investment strategies I on the other hand will not laugh at you…but I won’t feel bad for you either

BarryTheBaptistAU

Hahaha......thinks I am actually asking him to remind me. Gold. Comedy Gold. FTR, I am FIRE at 55. House paid off, no debts, & and life is sweeet, mate and I got here because i didn't listen to rando crayon eaters online when it comes to investing.

TheSlipSlapDangler

You should cash out if you think you can purchase enough productive assets that cashflow that will remove or meaningfully reduce the necessity to sell your labor and time. I am FIRE retired. The only time I choose to work is if I want to buy BS toys and distractions. This is a bitcoin sub so I will get shit on here but if your goal is to not be reliant on selling your labor or time you have to cash out eventually, or pray that the modern monetary system collapses so your number can go up while you get to feel superior to others that are suffering? I retired at 39 and I don't do a fucking thing I don't want to. That is the whole point I think in investing in the first place, or sleep in your Toyota camry cause you sold everything for bitcoin. You do you.

AllCapNoBrake

FIRE. UP. THE. PRINTERS!!!! BRRRRRRRRRRRRRRRRRRRRRRRRRRRRRRRRRRRRRRRRRRRRRRRR Bullish AF!

phaattiee

In the 70s (I think not too sure on the timeline), My grandparents were living on a yacht in the BVI when the offshore tax rush was booming and banks were offering cash interest on gold deposits because they desperately needed the reserve to cover the influx of cash... My grandparents were earning 18-25% on their gold for years... they sold everything they owned and ended up with around 400k in gold then just bummed it on a yacht... In his words "We couldn't spend the money quick enough"... Human beings will forever be jumping on bandwagons... you can be the person who jumps, be the person whose late, or be the bitter old guy taking their preconceptions to the grave... The more you jump on the wagons the more likely you are to catch an early one... I started my DCA in 2018, although hardly FIRE or a millionaire... It has been life changing, not just in terms of the money made (bought my first house with a sizeable deposit so looking at being mortgage free before I'm 45, 28 at time of buying house), which I wouldn't have been able to do but also in terms of how I view money and self custody of my entire life though the learning process of researching finance and economics... Profits from BTC --> fixed term investments during bear cycle --> interest put into gold with capital re invested to BTC prior to next halving.

Life-Duty-965

Unfortunately belief isn't a certainty. If you're rational you accept that humans are really bad at predicting the future. We frame it in today's knowledge. I'm happy to let my employer contribute to a pension and it's built up slowly. I've done nothing special, in my 40s now and it's a decent 6 figure sum. My boring old fund earned me 58k in the last 6 months according to my latest statement. It's not what bitcoin can do but it's good money and guarantees me a secure future. My bitcoin investment is on top. If the predictions of some.come.true then I have enough coins already to give me and my family long term generational wealth. No need to be greedy. I like to be in a position where I win either way. I have property, bitcoin, funds, a steady income, a cash emergency fund. It's a great position to be in. I have enough. Check out the FIRE community. It's all about slowly building up enough wealth to be financially independent so you can retire early. It doesn't matter what you believe because that alone doesn't make something becomes true. Please do diversify. If the predictions are correct, even a small exposure will provide you with future.wealth. Take care and good luck.

Timstertimster

the holy grail of freedom exists only if you own the land independently of a nation state with government, like it used to be back when people literally just showed up places and said "mine". of course that level of freedom implies that anyone can show up, bonk you on the noggin, and take all you thought you owned. most of us are content with the illusion of freedom, as long as we get to make some basic decisions ourselves. the idea that you actually want independence from fiat is completely delusional. as soon as any entity manages to control enough of any essential resource, you'll instantly have to accept their form of currency. but the reddit knuckleheads who're rabid maximalists aren't actually looking for financial independence, they're just speculating on volatility, hoping to off-ramp back to fiat the moment their profits are good enough for FIRE.

4xfun

Congratulation on achieving FIRE. :) a warm hug

johnnyb0083

0 or FIRE team checking in.

BarryTheBaptistAU

I am FIRE at 55 dude - I got a great life. Thanks for the advice though, mate.

The_Brojas

Congrats and fuck you! (Hopefully that comes across the same here as FIRE lol, it’s a good sentiment)

mazda7281

Because I cashed out from crypto before 2021 bull run and bought an apartment. If I hodl for 2-3 months more then I'd be a millionaire. Anyway I'm content with my savings and crypto sack. I'm 28 and very close to FIRE in a few years.

dmx442

Entered 2017, here is my thoughts: 1. First cycle you get wrecked 2. Optionally: second cycle you earn your shitcoin masters degree 3. Third cycle is the sweet spot. The second cycle is a bitch, you doubt yourself, you doubt the cycle theory, you are still un-expirienced and married to your shitcoins, you are still unable to sell in profits, you are especially unable to sell at loss, you still doubt that BTC is king, ***and you still think you are smarter than everyone.*** On this topic, you can't become filthy rich unless you put in already serious money. So you stop to gamble on shitcoins and DCA, and voila, now it needs time for your stack to grow. And since I hate people giving advice on topics they don't have experience and their own money in, If BTC reaches 100k, I am FIRE, so there is that.

nezroy

All the standard big ones I guess as starting points: r/investing, r/FIRE, r/Bogleheads, r/personalfinance, r/realestate

-Silky_Johnson

WE’RE HAVING A FIRE! sale.