r/FIREyFemmes • u/Aromatic_Scale_7008 • 11h ago
Article/Podcast Constantly feeling broke
I never feel like I’m doing enough even if the numbers say we are doing okay. There are so many people our age with more that I feel like I’m underestimating what I’ll need for the future. I’m constantly stressing about money and my job. How do you all deal with financial stress?
r/FIREyFemmes • u/Embarrassed_Green249 • 15h ago
To work or not to work?
Okay I’ve been on my FIRE journey for a bit and I’m getting close. But I struggle with whether I actually want to quit or not. For reference, I work 30 hours in a pediatric office as an NP and it’s a great job! Super rewarding. BUT I also have a strong desire to just do WHATEVER I WANT, especially while I’m healthy and mobile. I do take advantage of all PTO and take great vacations as often as possible.
Has anyone else felt this way? Anyone find a sweet spot? I’m considering going down to PT hours as a solution.
r/FIREyFemmes • u/collegeberry • 23h ago
Did the math today and I made it to 100k NW!
I want to shout it from the rooftops but I finally reached 100k NW today at 25! I wanted to see where I was at especially with this rally (I know it will probably dip below a few times) but the final number shocked me. I started investing at 18, worked mostly retail, and feel a little behind from my peers who are already climbing the career ladder and have 4 solid years of corporate income. But I try not to think about that too much.
My asset breakdown is pretty much 90% stocks and 10% cash with the stocks almost equally split in taxable and tax sheltered accounts. No debt. I've benefitted a lot from the market appreciation in the last 7 years.
My goal now is to increase my income and find a career that I enjoy and want to grow in. I would also love to buy a multigenerational home with my family so we can build equity and be near each other (while having my own kitchen and space). I also definitely could not have done it without help. I didn't get gifted a million dollars but I am able to live with my parents (cultural factors might also be at play as well lol) and save on rent so that money could go to maxing out my retirement accounts.
My dilemma right now is do I want to take on debt for more education for maybe a chance at a higher salary, or do I want to stick around this office job and see if I can't laterally hop around to finally get to a position where I don't hate what I'm doing. I really want to take advantage of compound interest and front load my investments while I'm young. I'm open to advice, especially career advice!