r/Fire•
Instinct_97

22M, 100k Invested🎉

Milestone / Celebration

Recently (July) I reached my first $100k invested throughout all my investment streams.

I owe a lot of my success and my saving to finding this sub among other FIRE subs at a young age, as I started investing the day I turned 18 by opening my fidelity account and dropping money into my Roth IRA. I turned 22 last month as well.

I am an e4 in the USAF and will earn ~$72,000 this year with most being tax free as I am deployed. This has also lowered my monthly expenses to only a storage garage meaning I am investing/saving nearly 100% of my monthly income.

Breakdown of totals-

TSP - $53,991.65 (Government 401k)
60% C-Fund, S&P 500 tracker
20% S-Fund, Small and Medium market
20% I-Fund, International stock tracker

Roth IRA - $46,421.40
60% FXAIX, S&P 500 Index fund
20% SPMO, S&P 500 Momentum ETF
20% QQQM, NASDAQ 100 ETF

Individual - $3,248.72
100% SMH, Semiconductor ETF

Crypto - $998.04
Bitcoin

⭐️Investment total- $104,659.81⭐️

Emergency Fund- $10,000
SPAXX, Fidelity money market (HYSA)

Savings Deposit Program- $10,112.36
10% APY savings account

Debit- $3,142.37
SPAXX, Fidelity money market (HYSA)

Debt- $0

Savings/Debit total- $23,254.73

⭐️Net Worth- $127,914.54⭐️

I also have a paid off 2024 Honda Civic worth about $20,000-24,000 but I choose not to include that. I also do not own a house and plan to live with roommates to save more when I return from deployment.

My ultimate goal is to retire from the Air Force(Hopefully Commissioned) at my 20 year mark at 39 years old and completely live off of my investments and my pension.

Posted Aug 11, 2026, 11:28 AM UTC

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