throwawayfinances183

Verified account. This is a 1 year update from when we hit $5M in 2025. Our careers and investments have gone bananas, especially with this bull run.

2025 post: https://www.reddit.com/r/fatFIRE/s/mxvCrdQWAP

2026 NW breakdown:

$4.4M - index funds + stocks
$300k - cash (very untrusting of the current market hype)
$300k - alt investments
$350k - ESOP
$1.6 M equity in properties, broken up by:

2 rentals & a $1.2M primary house with a $400k mortgage left

Our income;
HHI: $1M, which is doing a lot of the heavy lifting.
$300k husbands tech job
$700k business owner (saas), my income is definitely more fluctuating in nature, can go between $500k-1M

Spending: We still spend 120k a

Verified account. This is a 1 year update from when we hit $5M in 2025. Our careers and investments have gone bananas, especially with this bull run.

NW breakdown:

$4.4M - index funds + stocks
$300k - cash (very untrusting of the current market hype)
$300k - alt investments
$350k - ESOP
$1.6 M equity in properties, broken up by:

2 rentals & a $1.2M primary house with a $400k mortgage left

Our income;
HHI: $1M, which is doing a lot of the heavy lifting.
$300k husbands tech job
$700k business owner (saas), my income is definitely more fluctuating in nature, can go between $500k-1M

Spending: We still spend 120k a year. I thought it would go up but it really hasn’t.

We

It’s all too easy to get drawn into this seductive financial subculture, particularly the subset known as FatFIRE—where seemingly normal people are risking everything to retire early, once they save a measly few million dollars.

Like Temminck’s pangolin or coequal branches of government, retirement is in danger of going extinct. At least, it is if you do it the normal way (after a long career) at the usual age (in your 60s). Younger generations are struggling to save for retirement, while existing retirees increasingly must go back to work to make ends meet. Wouldn’t it be nice to just opt out of all that—to put your nose to the grindstone, and retire before your 30s melt away?
This is th

It’s horrendous what is happening, and I want to do my part. It doesn’t help that there is a lot of guilt around knowing my finances will keep me insular from the worst parts of what we’re seeing.

I’m not really sure how/what I can do locally to make a change, and it often feels pointless.

What are you doing that has created a better life for your local community?

Especially in this economic climate?

Or would you do it again?

I wanted to ask how other HNW ladies are planning for or budgeting to take care of aging parents.

For context, my immigrant parents were employed but both lost their jobs and just have not been able to pick up a job in their respective fields. They have since developed health issues and the prospect of them working again is seeming dimmer and dimmer.

I try to help them out with cash here and there, but I want to set up something more longstanding. Have any of you experienced this?

Did you create a trust and have money deployed to them or perhaps buy them a home so they don’t have to worry about housing? Or is it better to buy them a small business that they can operate? I’m dealing with t

Hey everyone! I'm u/throwawayfinances183, a founding moderator of r/FATfireLADIES.

I found it really difficult to speak to my IRL friends about things related to FATfire - which is the concept of Financial Independence Retire Early moment.

This is our new home for all things related to FATfire, but from a female perspective. We're excited to have you join us!

What to Post

Post anything that you think the community would find interesting, helpful, or inspiring about the journey of financial independence and retiring early.

Community Vibe We're all about being friendly, constructive, and inclusive. Let's build a space where everyone feels comfortable sharing and connecting.

Verify Your

To a different sub like r/fatfireladies

Anonymous for obvious reasons (Verified by the r/FATfire mods)

I wanted to share my current financial position because I just don’t feel like there is a safe space for women who are on the road to FATfire.

TDLR Background:

-> grew up middle class -> emotionally dysfunctional family but financially stable ( immigrant parents ) -> went to university -> started a saas company right after graduation, solo founder, no outside funding. Grew to over $1M ARR

Current portfolio -> Over $3M in public shares -> over $1.5M in equity in real state (Australia is heavy on deal estate) -> rest of portfolio is made up of cash, some in private markets -> no crypto

Current lifestyle -> about $120

The market has done so well I’m now… at $5M and in shock??

I’m 29F (any other FATfire women?) and I bootstrapped a saas, which started to hit over $1M a year, of which I’m the sole owner.

Portfolio breakdown:

$3.1M in VOO + some individual stocks

$300k cash (I know it makes no sense, it’s my scarcity mindset)

Alt investments: $160k (venture, commodities)

Retirement: $45k (lol I started late)

$1.2M in rental property with $480k mortgage (nets me $11k/yr. I know)

$1.1M primary house with $430k mortgage left

My spending/lifestyle

• $115k year (40k is related to rentals which bring in $51k)
• no kids, one husband
• live pretty frugally but starting to spend more on travel

I’m in a

As

Currently we live a 5-10 min drive from the beach, It was always a dream of mine to own a beachfront property to retire in, but as we get closer to FATfire (4.5M in our late 20s, early 30s) my partner and I worry about how beachfront homes will just be a pain to insurance, not to mention beach erosion.

Are we better off just renting to deal with the itch and then buying a few streets down?

I understand that am in an incredibly privileged position, I’m late 20s with $4.5 NW ($2.8M liquid) but I look around at my friends and they’ve achieved so much more

I have a lifestyle business that’s recently started bringing in a $1M salary, life is good, yet I keep falling into the comparison trap

Some of the newer friends that I’ve made in the business world have built companies worth $100M-$500M via the VC route.

Some might IPO or sell to PE. Some of them even have and are enjoying the fruits of their labour.

I’m so incredibly proud of them, but I can’t stop shaking the feeling that I should be doing more. I know it sounds silly, but it feels like I run such a little business when