I am going to retire with $460K. Bad idea?

[Anonymous No.16161695]

> $430K in retirement accounts

> $30K in BTC

> $180K paid off townhouse that I am not counting as part of $460K portfolio

> $300 per month HOA fees, yearly taxes are $1,200, got a Toyota with only 60K miles should last me, I never drive anywhere

> G/F pays all utilities plus all food including eating out.

> I have less than $12K per year expenses

> At 4% Safe Withdrawal Rate, I can take $18K out per year

> Have tech/programming skills so could get some type of job if economy collapses and portfolio drops 50%

I know it's not a ton of money but I don't think I wagecuck anymore. Am I being stupid? Just really unhappy working but relish the days where I get to sleep late, eat something go back to sleep, play vidya, watch movies all day. I have spent over a year doing nothing and I loved it and never got bored. G/F is supportive as long as I provide a roof over the head and pay HOA fees.

[Anonymous No.16161708]

How old are you?

[Anonymous No.16161715]

>>16161695
cute girl (male)

[Anonymous No.16161731]

>>16161708

37. G/F turned 25. She doesn't know how much I have but knows the townhouse is paid off.

[Anonymous No.16161746]

>>16161731
Based. Isn’t she a little old though? I’d settle down with a 22 year old and wife her.

[Anonymous No.16161750]

>>16161731
Dude when you were 18 your GF was 6. You’re fucking a 6 year old. Fucking pedos

[Anonymous No.16161773]

Buy some BSV and make 10-100x more

[Anonymous No.16161802]

>>16161750
6 =/= 25

big brain you got there incel virgin, have sex

[Anonymous No.16161825]

>>16161695
>get some type of job if economy collapses
yeah bc it's super easy then

[Anonymous No.16161845]

>eat something go back to sleep, play vidya, watch movies all day.
460k is plenty if you want to figure out a smarter way to make money. its a bit thin for living off of interest in the usa. you could sell it all and move somewhere cheap

[Anonymous No.16161877]

>>16161695
You can retire, But not with her and definitely not in the city. She is going to fuck you in the long run.
>Move to alaska, Buy a property in the wild
https://www.zillow.com/homedetails/18201-E-Stark-Ave-Willow-AK-99688/2094609141_zpid/

>sell the toyota if its not a truck and buy a hilux or ford f150

[Anonymous No.16161878]

>>16161746

Long term I've thought the same and look out for options for a replacement. She eventually wants kids which I am not going to want to wagecuck to support. I do like the intimacy, sex, watching TV with a girl in her prime. I am in the South and in most of these smaller towns just a man who has a place of his own, a car and can take a girl out to eat at a fastfood is considered successful. So it's not going to difficult to find another girl despite the growing age discrepancy because an old dog with what appears to them as lots of money can be a godsent option.

[Anonymous No.16161880]

Wait until after the next recession to re-evaluate and come up with a plan that doesn't rely on your gf.

[Anonymous No.16161893]

THREE HUNDRED PER MONTH HOA

WHAT THE FUCK AMERICA?

[Anonymous No.16161900]

also OP take the part time work pill.

Work no more than 2 or 3 days a week.

[Anonymous No.16161935]

>>16161695
ok boomer

[Anonymous No.16161940]

>>16161878
This larp is great, I'm almost entirely convinced of your mental illness.

[Anonymous No.16161951]

op's hoa costs are nearly what i paid for rent through college
what the fuck

[Anonymous No.16161958]

>>16161877
Also you have to keep in mind what the word "retire" means. If you are looking to live for the rest of your life which is like 40-50 years on 500K, You can absolutely do it. You just have to live somewhere cheap.

[Anonymous No.16162021]

>>16161825

Got a 6 figure job in June 2009 after 3 months of applications. It's possible with the right skillskets in tech

>>16161845
>>16161893

Thinking of sellilng my townhome and moving to cheaper town. But more rural and cheaper also generally means no options for work and no fast internet which is a really important for me.

>>16161880

Thought about waiting until next recession, working through it and dumping all I can in index funds but most days I can't cope with wagecucking anymore.

>>16161900

Also thought about part-time and another option work 3-6 months and rest of the year off. Still going to work for hours a day is a depressing thought.

[Anonymous No.16162025]

>>16161750
>Dude when you were 18 your GF was 6. You’re fucking a 6 year old.
Can't argue with this flawless logic, OP pedo confirmed

[Anonymous No.16162169]

Get a house. Living in a townhouse your whole life would be terrible. Start having kids and you might want more money. I'd say go for it though. Quit your job and never look back. You can always get a new job later on in life

[Anonymous No.16162320]

>>16161878

I was being facetious you hillbilly.

That’s plenty enough age difference. It’s time for you to be a man and pop out some kids once you hit 40.

[Anonymous No.16162360]

>>16161878
Careful with that anon
Don’t trust that bitch
Probably smearing old jizz into her vag as we speak

[Anonymous No.16162502]

>>16161695
>(((retirement accounts)))

[Anonymous No.16162513]

This type of thinking is how people end up "accidentally" homeless or living in a van.

[Anonymous No.16162554]

>>16161746
I'd say he's right at the cutoff if he's looking for "prime" but I get the mindset.

>>16161750
>when you were 18 she was 6
True
>you're fucking a 6 year old
What?

Legal is legal stop being an idiot.

[Anonymous No.16162575]

>>16161695
bro you have supreme taste, godspeed

[Anonymous No.16162609]

>>16162513
Fair point. What's your guy's opinion on just "taking a break" then? Im saving up good dough and plan to have a few assets by the time I'm early 30s. Maybe chill/travel for a year. Between that, my VA and maybe GI Bill I could clear over 5k/mo while keeping my yearly expenses relatively low.

Part of me doesn't want to get caught in a sedentary cycle though. Shits vicious.

[Anonymous No.16162612]

>>16161750
seethe harder loser.

[Anonymous No.16162653]

>>16162609
Tbh it wouldn't be sedentary per se. I'd like to immerse myself in french and maybe italian, which is a net gain for my career.

[Anonymous No.16162830]

>>16161695
if everything wasnt about to go pot i would say throw it all in index funds and get thai retirement visa. live off 4% swr and swap out primo 2-3 times a year. if i were you i'd be there now. quality of life there is so ridiculously superior to the states.

[Anonymous No.16162840]

>>16162830
imagine being such a loser you want to retire in Thailand

[Anonymous No.16162868]

>>16162840
lol jokes on you. thats right goy dont ever leave the "greatest" country on earth and find out just how bad (((we're))) fucking you over. jesus just shut the fuck up. so fucking stupid...

[Anonymous No.16162879]

>>16161731
Why are you adding a backsplash between gf retard?

[Anonymous No.16162920]

i have been retired for the past two years.

im 29 its not all itss cracked up to be.

IM FUCKING BORED!!!

i only get high, play video games and DJ on the weekends.

shit is so boring

i have a dog, and a brown gf that is even getting tired of seeing me do nothing all day.

im not living a super rich lifestyle but i go to festivals and shows also travel whenever i want.

i buy drones and other tech gaget shit but im still so bored

i try to learn languages, try to produce music, etc but i lose interest,

i also try to subscribe to magazines buy expensive esspresso machines and wake up early to watch the sunrise but still doesnt help

[Anonymous No.16162932]

>>16161878
>with a girl in her prime

she was in her prime 5-7 years ago

[Anonymous No.16162979]

>>16161750
this is your average biz poster

[Anonymous No.16163032]

>>16161878
sauce?

[Anonymous No.16163061]

>>16162920
so the real work begins then...its not easy keeping the existential dread away when you've no survival imperatives.

[Anonymous No.16163136]

>>16162320
Enjoy your autistic children desu.

[Anonymous No.16163381]

>>16162021
Thicc tummy, orange bikini... Hot hot hot!

[Anonymous No.16163382]

>>16162920

32, similar boat. Go back to school. Get involved in local politics. Seek power and control. I get high on weekends, but I'd hate doing it every day.

[Anonymous No.16163527]

>>16161878
Yeah you're going to have to break it to her that you are a 37 year old child, not man enough to father her children.
And dump her so you can focus on playing PS5 games for the next 5 years, you sad little boy.

[Anonymous No.16163618]

>>16163527
Projection
>>16162868
Thailand is pitiful for old men. I’m in Thailand right now and when you see an old guy it’s just awkward. They obviously couldn’t cut it and had to move, so it naturally selects to dweebs. I am here for neeting on the cheap, actively deflecting pussy actually until I can become self sufficient. It’s really shooting fish in a barrel over here

[Anonymous No.16163665]

>>16162868
White male incel retiring in Thailand is really sad and a stereotype at this point. I never trust a white guy who goes to Thailand

[Anonymous No.16163700]

>>16163665
>>16163618

I'm aisan & fucked plenty of asian & white women and I have to honestly say:

Asian women >>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>> entitled white bitches

It's not even close...

[Anonymous No.16164414]

>>16161695

whats da grills name fren

[Anonymous No.16164432]

First thing i noticed about that girl is her shirt, she has an eye for flannel shirts

[Anonymous No.16164447]

>>16161695
bad idea. that's not really enough, and you can figure out how to improve your wagekeking conditions.

[Anonymous No.16164458]

>>16162021
What is your skill set?

[Anonymous No.16164496]

>>16161695
>$18K out per year
Do you want to have kids someday? Do you plan to have health insurance? Do you think HOA fees will be stable as the property gets older? Property taxes are just going to keep going up. Keep wagecucking and saving/investing until you get to $1 million liquid. You could probably be there in five years if the market doesn't tank.

[Anonymous No.16164920]

>>16161750
salty 30+yr old virgin is salty

[Anonymous No.16165097]

>>16164414
Thotienne

[Anonymous No.16165243]

>>16163618
>>16163665
muh american standards...
nation of brain dead hypocritcal cryptofacist zombies...
it is awkward for you...hes having the time of his life. at least for a while (years) anyway. why are americans such insuffurable softheaded limpwristed faggots...
>never trust a white guy who goes to thailand
tend to your own yard...whats the saying about people in glass houses...the pay for play scene in america is orders of magnitude more degenerate than thailand.

[Anonymous No.16165248]

>>16161695
Try to cut down on your work hours instead.

[Anonymous No.16165287]

>>16161750
Woman or neckbeard? It's anyone's guess.

[Anonymous No.16165322]

>>16161695
> $180K paid off townhouse that I am not counting as part of $460K portfolio
good
> $300 per month HOA fees, yearly taxes are $1,200
not so good
G/F pays all utilities plus all food including eating out.
DANGER DO NOT COUNT ON THIS
> $30K in BTC
I think this is too much relative to your net worth and situation

[Anonymous No.16165437]

Transform the 430k into a Stable Coin, get a crypto dot com Account and invest it with them for 12% p.a. take 6% out (2.150 USD/m) and let the Rest accumulate. you will habe a decent life.

[Anonymous No.16165700]

Get to atleast 1m networth before you retire. You should be able to do that in 5 years if you arent stupid and the market keeps at it. Challenge yourself now and live off 18k a year if you can and invest the rest and you should hit 1m easy. Leverage your house equity if you have to.