Financial Independence and Legit Side Money Ideas For Techies and Geeks

Legit Side Money Ideas for Techies and Geeks

Financial Independence and Legit Side Money Ideas For Techies and Geeks

Programmers, developers, software engineers, and other tech-savvy geeks are often some of the most financially independent people out there. That’s because they often have the skills to turn their side hustles into legit businesses that can generate significant income. In fact, many of the most successful tech entrepreneurs got their start by developing apps and selling them on popular app stores.

Financial Independence and Legit Side Money Ideas For Techies and Geeks

But you don’t need to be a whiz kid to make good money from your technical skills. Even if you’re not interested in starting your own company, there are plenty of opportunities to freelance or consult on projects that can pay well. And with the global economy increasingly reliant on technology, those skills are in high demand. So if you’re looking to boost your income, consider using your geeky talents to earn some extra cash. Who knows, you might just find yourself becoming a millionaire in the process.

This blog is about Clever Questions, Answers, Posts, discussions, links about:

If you’re a programmer, developer, software engineer, geek, or computer scientist, then you know that financial independence is important. After all, who wants to be tied down to a job they hate just because they need the money? The good news is that there are plenty of legitimate side money ideas out there for techies and geeks. Here are just a few:

  1. Programmers can make money by developing new apps and selling them on app stores like Apple’s App Store or Google Play.
  2. Developers can create websites or online courses teaching others how to code or use specific software programs.
  3. Software engineers can offer consulting services to companies who need help designing or improving their systems.
  4. Geeks can start a blog about their favorite topic (technology, science fiction, gaming, etc.) and make money through advertising or affiliate sales.
  5. Computer scientists can develop new algorithms or sell their existing ones to companies willing to pay for them.

So if you’re looking for ways to make some extra cash on the side, don’t despair – there are plenty of options out there for you. Do some research and see which one might be the best fit for your skills and interests. With a little effort, you could be well on your way to financial independence in no time!

Making money isn’t that big of a deal especially if a person is determined, The primary cause of poverty is ignorance and nothing else.

It stars with a burning desire to learn and your willingness to practice all you’ve learned and make the mistakes needed in other to get the a greater height, “that is how financial progression is achieved and sustained.”

in the aspect of making money online with a laptop, you can try out the following listed below….

  1. Affiliate Marketing.
  2. Selling on Amazon, eBay, Etsy, and Craigslist.
  3. Blogging.
  4. Niche E-commerce.
  5. Your Own YouTube Channel.
  6. Selling E-books.
  7. Develop Apps.
  8. Invest/trade cryptocurrency.

To be a master and be really successful in any of the listed, one has to first learn them before anything else goes.

And if you’re interested in cryptocurrency but too Busy and don’t have to time to learn, you can contact me I’ll teach you how a newbie trader can make profit in crypto quickly.

Legit Side Money Ideas on Quora

  • Does Roth ever make sense for High Income Earners?
    by /u/leafwizardman (Financial Independence / Retire Early) on July 24, 2024 at 4:09 am

    Given my financial posture - does Roth or Traditional make sense? Long time lurker... first time poster. First, I've been very thankful for the advice I've gleaned from this sub and I've enjoyed thinking about my financial security due to the strategies in here. I have three questions here with some context, and some details on my overall financial posture down below to help with context. 1. Do Backdoor Roth IRA conversions make sense for my situation? Background: I don't qualify for the IRA tax deduction, but I do file Form 8606 to report non deductible IRA contributions. In the past I always did backdoor Roth conversion every year, but given my financial situation and salary, I'm not sure it does make sense for me... and does it make sense to hold off on conversions until after I retire when I have a lower tax liability? 2. Do Roth 401k contributions make sense for my situation? Background: I'm torn on the whole "buy a seed not the harvest" as it relates to roth vs traditional 401k contributions. Typical guidance says if you're in a high income bracket then to do traditional to lower tax liability... but is that still relevant given we're in the TCJA era of tax cuts? I'm planning on going back to traditional after TCJA expires but figured I would ask here. **3. Besides from maxing out the qualified accounts (401k, IRA, HSA), getting my cash savings up to 6 months of expenses, and then making contributions to 529 and Taxable accounts, are the any obvious strategies that I’m missing? (I’ve tried to stick to the flowchart) Should I do mega backdoor Roth? Or focus on taxable accounts to help with early retirement? Context: 2024 My Salary: $292k base / expected $87k bonus 2023 Taxable Income: $300k Effective Tax Rate: 17% My Salary: $234k base / $56k bonus 2022 Taxable Income: $307k Effective Tax Rate: 19% My Salary: $213k base / $58k bonus 2021 Taxable Income: $290k Effective Tax Rate: 20% My Salary: $197k base / $71k bonus Net Worth Breakdown: ($~1.3M) Retirement (IRA/401k): $778k Crypto: $138k Taxable Accounts: $135k Home Equity: $101k 529's: $92k HSA: $56k Cash: $37k Life Insurance: $2.3k Net Worth History: 2016: (-$33k) 2017: $39k 2018: $99k 2019: $223k 2020: $492k 2021: $859k 2022: $678k 2023: $1,068,000 2024 current: $1,345,200 Other Relevant Notes: I am 34, wife is 31. Two kids. I max out 401k, IRA, and HSA every year. I don't work in FAANG, but I work in tech. I'm hoping to retire at 55, earlier if my company stock takes off. my current 401k and IRA balances in totality are almost 50/50 split between Roth and traditional (but all the IRA balances are Roth due to the Roth back door conversions I do every year. I don’t expect my compensation to ever go down / stagnate until I retire. In general, all my investment accounts are passive VFIAX / VIGAX funds, or similar if the specific funds aren't available within the account. The one exception to the investment accounts is that I have ~$100k is in company stock via RSU's/ESPP/Equity Grants. If that gets to ~10% of my net worth, I'll likely sell excess off to limit risk. It's a global consulting firm in every industry, so it generally tracks with the overall stock market. I feel like I'm in a position in my career where I have lots of salary growth infront of me, so that's part of the factor of "should i do Roth or Traditional" The next position in my company will be a role where I will have heavy compensation in RSU/Equity Grants, and my plan is to hold the minimum required, and sell off the rest assuming it gets to be ~10% over my net worth, and put in passive index funds. My wife was working until early 2023 but the salary was around $60k Yes... I know the advice around here is to drop the whole life insurance and I'm planning on that Thank you for taking the time to read this. submitted by /u/leafwizardman [link] [comments]

  • 5 Faceless Ways to Make Money Online
    by Lisa Tersigni (Money Making Ideas on Medium) on July 24, 2024 at 3:12 am

    Hey there! Let’s get straight to the point: you want to make money online but don’t want to show your face or even use your voice? You’re…Continue reading on Medium »

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    by YURAFLI (Passive Income on Medium) on July 24, 2024 at 2:51 am

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  • My Defi Trifecta!!!
    by Lamcer31210 (Passive Income on Medium) on July 24, 2024 at 1:40 am

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  • Understanding the Difficulty of Learning AI
    by Raphael Luxora (Passive Income on Medium) on July 24, 2024 at 12:11 am

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  • Roth IRA vs Roth 401k: Should I keep contributing to both?
    by /u/mjatin2007 (Financial Independence / Retire Early) on July 23, 2024 at 11:59 pm

    EDIT: Apologies in advance if this post doesn't belong here Ok, I'm a guy who loves to save, and in my early 30s and planning to buy a home someday. I have changed employers in the past and held a Roth 401k from them, which I later rolled into my Roth IRA to invest in low-cost index funds. The money grows there pretty consistently and I max out my contributions there every year, hoping to reward my future self and family someday. Fast forward to today, my current employer offers a Roth 401k as well. Seems like the contributions to it are after-tax and there isn't any match from the employer on that unlike a traditional 401k. Financial gurus keep emphasizing the fact that your mortgage payments should be 25% of your take-home pay. If I were to keep contributing to my Roth 401k, I don't think with that rule I could afford a house in a million years in this economy. That being said, is it usually recommended to continue to contribute to employer-offered Roth 401k? Are there any benefits you could think of that I'm not missing? Wouldn't this be redundant? submitted by /u/mjatin2007 [link] [comments]

  • Nodepay: Revolutionizing the Internet with AI and Rewards
    by JJ Ortiz (Passive Income on Medium) on July 23, 2024 at 11:20 pm

    In the ever-evolving landscape of the internet, a new player has emerged that promises to change the way we interact with the web: Nodepay…Continue reading on Medium »

  • Introducing Grass: Earn While Contributing to AI Development
    by JJ Ortiz (Passive Income on Medium) on July 23, 2024 at 11:03 pm

    In the rapidly evolving world of artificial intelligence, a new player has emerged that’s changing the game for everyday internet users…Continue reading on Medium »

  • OKX Racer | Confirmed slipper from the OKX exchange
    by Сrypto News (Passive Income on Medium) on July 23, 2024 at 10:55 pm

    Cryptocurrency exchange and Web3 company OKX introduced a new mini-application in Telegram — OKX Racer. It gives players the opportunity…Continue reading on Medium »

  • How to Get Started with Koii Network: A Step-by-Step Guide
    by JJ Ortiz (Passive Income on Medium) on July 23, 2024 at 10:50 pm

    The digital content landscape is evolving rapidly, and Koii Network is at the forefront of this transformation. By leveraging blockchain…Continue reading on Medium »

  • How I’m Planning On Creating More Passive Income
    by Christina Piccoli (Passive Income on Medium) on July 23, 2024 at 9:25 pm

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    by Intermediarioscreativos (Money Making Ideas on Medium) on July 23, 2024 at 8:32 pm

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  • Earn $997 Daily with YouTube Affiliates: The Complete Guide
    by BOSCO MWAPINGA (Passive Income on Medium) on July 23, 2024 at 8:26 pm

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  • Rule Your Wealth: Proven Paths to Becoming a Money King
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  • 5 Easy Ways to Make Money From Your PC Today
    by Leafson (Money Making Ideas on Medium) on July 23, 2024 at 6:54 pm

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  • How to Make $200 Fast
    by RIZK HILAL (Money Making Ideas on Medium) on July 23, 2024 at 4:54 pm

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  • Year 4 Completed: Divorced and Homeless to Good Career and Engaged
    by /u/Christon_hagiaste (Financial Independence / Retire Early) on July 23, 2024 at 2:03 pm

    Hey everyone, I’ve just hit my fourth year on the road to FIRE, and I’m excited to share my progress! Here’s last year’s post for those interested: (Link to previous post) TLDR for those who are not stalkers: I started this journey back in July 2020 with a modest $5,800 net worth, working as a yard driver making $13.75 an hour. This was after a nasty divorce from an unfaithful and abusive woman, a brief stint of homelessness living in my car, and becoming a truck driver after putting my previous career in church ministry on hold despite having multiple degrees in the field. Fast forward to today, and I’ve climbed the ladder in the same organization to become the Area Manager of Global Logistics and Transportation, now earning $38.81 per hour as of this week after getting a 5.3% raise. My annual salary is now $80,744 excluding bonuses, and due to bonuses, PTO cash-outs, and investments, I’ve boosted my net worth by $50,124 over the past year, bringing it to $133,639. Here's the current snapshot of my finances: 401k: $39,549 Roth IRA: $35,419 Taxable account: $28,324 HYSA: $17,390 All my investments are in Total Stock Market Index Funds, which have seen a fantastic 25.61% gain. Work-life balance has improved significantly. I usually work from home once a week and rarely exceed 40 hours weekly. There’s even a chance of shifting to a 4-day workweek or more remote work in the future. Also, my company is having a cost-of-living adjustment this September, which may give an additional raise. Despite being frugal, I’ve managed to enjoy life. My highlight this year was an unforgettable trip to Alaska. I upgraded my camera lenses and captured stunning shots of birthing whales and breathtaking landscapes. On the personal front, big news – I’m engaged! My fiancée is a nurse and fully supports my FIRE goals. While she’s not a financial whiz, her usual response to financial matters is, “Tell me what to do.” We focus more on our goals and plans rather than crunching numbers. She’s had a front-row seat to her parents’ financial missteps and is eager to avoid the same fate. She’s embraced my financial advice wholeheartedly and is especially excited about the possibility of us paying off our future house early. Paying off our house will be a huge burden off both of us. While I understand it’s not the way to maximize numbers, this goal is more obtainable than a goal 15-20 years out. This was an easy sale to my fiancée. Finding someone so aligned with my goals, financial and not, has been a blessing. They are our goals, not my goals and her goals. Looking ahead, there are some upcoming expenses with the wedding and honeymoon. We plan to move in together after we’re married and continue saving for a house. With our combined incomes in a low-cost living area, we’re optimistic about our savings potential. My fiancée is used to dining out frequently, hasn’t budgeted much before, and has remnants of her student loans, but she’s ready to adapt and she’s excited about it. Long-term, we’ve discussed her working full-time until we pay off the house, which we expect to do quickly. After that, she might go part-time to care for our future children. Her sister, a stay-at-home mom, will be our daycare provider, which will be a huge help. They are super close and had this as their plan before I even came into the picture. Once we own a house, my elderly, partially dependent mother will move in with us. She’s offered to pay a modest amount while living with us, which will also help with our finances, and she’ll benefit as well. If, or when, she becomes less independent, my then-wife is open to leaving her job to care for her and our potential kiddos. Life is good, and I’m looking forward to what’s next. Thanks for reading, and here’s to another great year on the FIRE journey! submitted by /u/Christon_hagiaste [link] [comments]

  • Five actionable tips for earn money online with AI
    by Health and Wealth Tips (Money Making Ideas on Medium) on July 23, 2024 at 1:25 pm

    Artificial Intelligence (AI) has revolutionized various industries, including online money-making opportunities. With the advancement of…Continue reading on Medium »

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  • How to Generate Passive Income Without Capital
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  • Step-by-Step guide.
    by Thuli Thinane (Money Making Ideas on Medium) on July 23, 2024 at 10:43 am

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  • Daily FI discussion thread - Tuesday, July 23, 2024
    by /u/AutoModerator (Financial Independence / Retire Early) on July 23, 2024 at 9:03 am

    Please use this thread to have discussions which you don't feel warrant a new post to the sub. While the Rules for posting questions on the basics of personal finance/investing topics are relaxed a little bit here, the rules against memes/spam/self-promotion/excessive rudeness/politics still apply! Have a look at the FAQ for this subreddit before posting to see if your question is frequently asked. Since this post does tend to get busy, consider sorting the comments by "new" (instead of "best" or "top") to see the newest posts. submitted by /u/AutoModerator [link] [comments]

  • $100k DCA Strategies
    by /u/hunter9002 (Financial Independence / Retire Early) on July 22, 2024 at 9:21 pm

    Edit to clarify: my total nw is $900k I have ~$100k cash ready to be invested in VOO and VTSAX. Not planning to touch it until I hit my number, which is probably 15-20 years out. The market has been on fire lately so I'm tempted to dump it all in now. Obviously DCAing is the more conservative approach, so I've been doing about $6500/mo for the last 2 months. At this rate it will take about 15 months for it all to be invested. The uninvested cash is sitting in money market where it's earning ~5.25% interest, so at least it's not losing value in the meantime. Just not sure the best way to think about the DCA strategy here, or whether to throw it all in at once, given the long time horizon. Any thoughts or questions are welcome. Thanks! submitted by /u/hunter9002 [link] [comments]

  • Should I rollover an HSA?
    by /u/LantanaFunSaver (Financial Independence / Retire Early) on July 22, 2024 at 6:38 pm

    I have $1028 in funds and $3100 in Vanguard investments (Total Stock Market, Small Cap Index, REITS) purchased in 2019 from a previous employer HSA. I now have a new employer and a new HSA servicer. The old HSA servicer charges me $2.75 a month in maintenance fees since I'm no longer with my previous employer. They can perform a rollover into my new servicer, but I would have to liquidate the investments in order to do the transfer. In other words, they cannot do a rollover in kind. Is it worth it to sell my investments, move the cash to the new HSA and rebuy the investments? I'm assuming I would take a hit to sell and rebuy at current prices. However I don't want to keep paying the maintenance fee. Insight appreciated. submitted by /u/LantanaFunSaver [link] [comments]

  • Daily FI discussion thread - Monday, July 22, 2024
    by /u/AutoModerator (Financial Independence / Retire Early) on July 22, 2024 at 9:03 am

    Please use this thread to have discussions which you don't feel warrant a new post to the sub. While the Rules for posting questions on the basics of personal finance/investing topics are relaxed a little bit here, the rules against memes/spam/self-promotion/excessive rudeness/politics still apply! Have a look at the FAQ for this subreddit before posting to see if your question is frequently asked. Since this post does tend to get busy, consider sorting the comments by "new" (instead of "best" or "top") to see the newest posts. submitted by /u/AutoModerator [link] [comments]

  • Sell old primary or rent out? Math is close
    by /u/Ornitorrrinco (Financial Independence / Retire Early) on July 21, 2024 at 4:11 pm

    I've been crunching numbers all day to decide whether to sell my old primary home. Originally, I was planning to keep it as a summer home (it's up north). Six months have gone by and I've realized I don't have the desire to travel up there. Most of my social circle no longer exists there. Here are the numbers. The property is worth roughly $400k for round numbers.   Looking at keeping the property: Renting out with property management + all operating expenses nets $5k/year Accrued principle is $3k/year Potential appreciation at 3% is $12k All that summed up is a potential upside of $20k/year   Looking at selling property: $400k sale would net almost exactly $200k in my pocket Throw that into at S&P index fund at 10% growth/year That's also a potential upside of $20k/year   What would you do? submitted by /u/Ornitorrrinco [link] [comments]

  • Buying or Funding an Independent Job or Business
    by /u/ShouldBeeStudying (Financial Independence / Retire Early) on July 21, 2024 at 3:38 pm

    I'm looking at possibilities to convert a bulk of money into a self-sustaining independent income source that functions as a job. I'm hoping ya'll can help with ideas. On one extreme, you have index funds. Return of X%, requires Y-hours labor and has Z risk. . Suppose if instead of this, you want to set up a business that lets you work independently. About how much money would that take, and what would it look like? A relatively risk-free business to the extent possible. I am very interested in specific ideas here. Ideally without requiring any skills that couldn't be obtained with 6 months' training. I'm looking for anything on the efficient frontier of Capital--Time tradeoff which results in a self-sustaining livable salary. Does this make sense? The index fund example i mentioned would be on one end of this efficient frontier (though it doesn't really qualify because I'm only thinking of things that take 20-50 hours a week). I'm sure the idea has been done to death but it is new to me. In case you want to think deeper on it, suppose the business needs to sustain for 30 years and return a livable income. The owner/operator does NOT need to set funds aside for retirement. . Thank you very much for any thoughts. I posted something similar a month or two ago but it was misconstrued as looking for an investment that didn't require labor. . EDITED: Adding in some of the top ideas from people that seem to understand we are targeting a balancing act Landlording Gardening Power washing Construction Online content creation submitted by /u/ShouldBeeStudying [link] [comments]

  • A Complete Look Into My Financial Soul
    by /u/TheOtherFishInTheSea (Financial Independence / Retire Early) on July 21, 2024 at 3:11 pm

    Income Expenses TLDR; I have been working and saving since 16, don't know if I can keep going for 26+ years. Trying to leverage opportunities to enjoy my life more than 3 weeks at a time on PTO. 34M Single HCOL $110k/yr income with a 10% yearly bonus. Just got promoted and will be closer to $125k/yr next year. I got my first job at 16 and work has since been my focus. I graduated high school with a 1.6 GPA because I never went and instead was putting in 60hrs a week at my first job. Thanks to the early financial teachings of my grandma, who used to do things like buy us physical Disney stock certificates instead of Christmas presents, I have always been a savings and retirement focused person. This allowed me to save up to put myself through college without needing to work while there. One day I had enough and quit then went off to enjoy the college experience. Even with this saving mentality, college was expensive. I ended up graduating $60k in debt - a mix of student loans and credit card debt. I had a rough time finding a job for two years so I was doing a lot of gig work to try and scrape by while slowly chipping away at debt whenever possible. I eventually landed a job that I am still at today. As you will see later, while still difficult, not having to pay rent allowed me to pay down my debt much faster and build to where I am. Savings Roth IRA $135k (+3% YTD) 50% TSLA - $50 Cost Basis 29% AAPL - $36 Cost Basis 6% F - $10 Cost Basis 15% gambles like QS, DKNG, LCID, NIO, PLUG, CHPT most of which are down 45-90%. Humbled by a few of my previous investment decisions (trying to repeat the TSLA gains), but at least I learned my lesson somewhat young. Since it is in a ROTH my plan was to hang onto everything as a long shot, but honestly unsure. My faith in TSLA is waning. This year's contribution went to VTI and will continue to do so going forward. 401k $112k (+16.3% YTD) 100% FXAIX Match: 100% of 4% then 50% up to 6% plus an additional once a year payment of 4% irrespective of contribution. Effectively a 9% match on a 5% contribution with immediate vesting. Other options like FBCGX, FLCNX, OIEJX plus International, Bonds and TDFs are available but I do not plan on changing allocations. Taxable $71k (+28% YTD) 46% VTI - $225 Cost Basis 17% NVDA - $18 Cost Basis 37% COIN, PLTR (+), ASTS (+), MSFT (+), GOOG (+), VUG (+), INTC, HOOD, PINS, WFC (+), LCID, RIVN, RSKD, RDW, PSNY, RTX (+), NRDS, HYLN, SOFI, DAL, YOU, RUM, RKLB, NCLH, SLDP, CCL, VNQ, WBX, ORGN, NIO, PLUG, STEM, MVST, BIRD, SDIG, HLGN, MNTS = positive investment, overall loss of $9k in this account ($24k loss without VTI or NVDA) Was used as a gambling platform during the COVID/Robinhood/SPAC era but now I am just buying VTI. I have learned my lesson and am just going the single ETF approach going forward. I feel there is no need for International or Bonds yet. Tempted on liquidating everything to VTI but have not pulled the trigger. HYSA Emergency Fund $20k @ 5% Inheritance Family member's estate is currently working it's way through probate and liquidation but I will eventually end up with ~$1mm. Primary Residence This house is my childhood home and has been in the family since the '50s. It belonged to my great-grandmother and was inherited by her kids on her passing. Some of those kids have since passed and their shares have been inherited by their kids leading to a complicated situation. There is a family agreement that nothing will happen to the house until a specific event (probably 5-10 years or more) at which point it will get sold. I, along with another family member, are allowed to live here rent-free until then and I have no concerns that something will change with that agreement. Worth ~1.3mm and needs a full remodel; hasn't been touched since probably the '80s. "My side" of the family owns 1/3 of the property which will be given to me, leaving 2/3rds for me to fund if I want to purchase it when the time comes (or before). I would like to eventually die in this house and it is in a great neighborhood so I see this as an easier entry into a HCOL area that I would normally not be able to afford. This also allows for some potential property tax rate savings that would really benefit me if I plan to live here forever. I would like to eventually add an ADU in the back either for myself (and rent out the main house) or to rent out directly when I need more room. Nobody knows what will happen in that 5-10+ year time frame until I have to purchase the house, but part of me wonders if there will be any appreciation I will miss out on/have to pay for in the future. If I inherit enough to buy it out-right within the next year, I am wondering if I should. Solar $27k solar loan @ 2.75% Installed on the above mentioned primary residence last year, fully covers electric needs and then some with the intention of home charging at some point. Family agreed to pay back the remaining balance if I do not end up with the property, but would allow for many years of electric savings if I do. No batteries (1:1 net metering), but I will eventually add one since the power goes out relatively often. I have been looking into V2L/H/G capable vehicles for efficiency purposes. Rental Property $207k mortgage @ 4.25% ($60k equity) I have owned it for a little over two years now and have broken even so far (excluding tax benefits). Without including maintenance (4yo construction) and vacancy, even with property management, it seems to pencil out so far. Purchased as a rental, not somewhere I would choose to live, but I like the idea of owning something relatively cheaper that someone else is paying for "if all else fails". Vehicle Various expenses such as insurance, fuel (free ev charging), maintenance, registration, DMV fees, etc are hidden from me and would need to be factored in if/when I leave my job. Things I'm working out ⦁ How to coast/baristaFIRE as soon as possible. I am thinking about going back to the gig work on my downtime to boost income. I was tempted with overemployed but I have a good thing going with my job now so don't want to risk it. I would eventually like to go into teaching when the time to coast comes but would probably not spend the 20 years needed for a pension. ⦁ How to best leverage the inheritance with regards to the primary residence I have always assumed that it would be best to purchase the property once I receive the inheritance given my retirement goals, but maybe it would be put to better use generating income (HYSA for however long that lasts, more rentals even though the current one isn't cash flow positive, dividends for the income from 50 until I can pull from retirement accounts) and figuring out the purchase of the property when the decision is forced. ⦁ Finding a way to reach my goals before having a mental breakdown while still balancing some fun in life. I don't really have anyone to share this stuff with so mostly just looking to type this out for myself and hope that some others here have their own experiences or find it mildlyinteresting how a single man in a HCOL area with no rent and no friends spends his money. submitted by /u/TheOtherFishInTheSea [link] [comments]

  • Daily FI discussion thread - Sunday, July 21, 2024
    by /u/AutoModerator (Financial Independence / Retire Early) on July 21, 2024 at 9:03 am

    Please use this thread to have discussions which you don't feel warrant a new post to the sub. While the Rules for posting questions on the basics of personal finance/investing topics are relaxed a little bit here, the rules against memes/spam/self-promotion/excessive rudeness/politics still apply! Have a look at the FAQ for this subreddit before posting to see if your question is frequently asked. Since this post does tend to get busy, consider sorting the comments by "new" (instead of "best" or "top") to see the newest posts. submitted by /u/AutoModerator [link] [comments]

  • Can I retire now?
    by /u/jg2688 (Financial Independence / Retire Early) on July 21, 2024 at 7:52 am

    44F, husband 48M. I feel really burn out from my job and really want to pull the fire trigger. My anxiety symptoms got worse. My neck is really tight, and my back hurts from sitting and having meetings all day. I really wants to spend a few years to relax and get better. However, I am not sure if I can. I work very hard to get where I am today. I can’t imagine just quitting like that. I am also not sure if my savings is enough for Fire. Below are my numbers: Total NW: $5.3M NW excluding house: $3M, $0.35M in cash, around 55% of the rest in brokerage account, and the rest in retirement account House: $2.3M paid off (I have no plan of selling the house for the next 3 years) My monthly expense right now is around $4000. My husband covers bills. His monthly spend is probably around $5000. Kids' school: $5000 per month I live in a very HCOL area. My total comp is around $350k. My husband makes around $300k. We have two kids with one in daycare. If I quit, the plan is my husband will continue workingg. My husband’s health insurance is bad - he needs to pay $500+ per month for each of us, and the insurance has a very high deductible of $6000 each. I have developed a habit of buying stuff during the past few years due to work-related stress. I am afraid it is a habit that’s hard to change, or it will make me feel sad once I can’t buy freely after I pull the fire trigger. My husband is really stingy and he probably won’t let me spend like that if I don’t have a job. I worry that the stock market will crash. I also don’t have much of a life besides working and I am afraid I might be depressed after quitting. I already have some symptoms. I worry I might regret after I quit and can’t get back to where I was. I have been working really hard my entire life getting to where I am today. I feel if I quit, I give up what I have been working for 20+ years. Should I quit now? Any suggestions would be welcomed. Thank you! submitted by /u/jg2688 [link] [comments]

  • Thoughts on purpose and feeling empty after FIRE
    by /u/SamDogen (Financial Independence / Retire Early) on July 21, 2024 at 4:52 am

    For those of you who have achieved financial independence, retired, pursued your hobbies, paid off your home, paid off your car, started a family, funded your children’s education, set up revocable trusts for your children, taken care of your parents. and found something regularly to volunteer and donate to…. have you ever wondered what else is there to do in life? I’m wondering if retiring by your mid 40s is a good idea because there could be this emptiness inside if you have finished accomplishing all of life‘s biggest goals. Money, accomplishments, status are no longer motivators. So how do you stay in a peaceful state of acceptance and appreciate life more for what it is? submitted by /u/SamDogen [link] [comments]

  • Mid-Year Update on 2024 Goals!
    by /u/Runny_Money (Financial Independence / Retire Early) on July 21, 2024 at 4:23 am

    Little late 6 month update that no one asks for from my wife (26F) and I (25M) journey to FI but I like to show others that with consistent savings two people can have a great life and retirement without earning 6 figure salaries. Since my last post my wife’s income has increased again from $74,500/yr to $78,400/yr and my income has increased from $75,861/yr to $78,959/yr for a combined $157,359/yr gross. We were planning on continuing to save $2,500/month but life happens and haven’t been able to hit that number which was extra to our TSPs. Below are our investments towards FI/RE that are up to date as of today: Wife Roth TSP 15% invested rounded $11,760/yr @ $32,577 Wife Roth IRA @ $8,250 invest leftover My Roth TSP 27% investing rounded $12,921/yr @ $51,369 My Roth IRA @ $8,532 invest leftover Our Taxable Brokerage Account @ $7,852 invest leftover Emergency Fund 5% APY @ $7,000 only accruing interest College Fund 5% APY @ $19,434 adding $700-$1,400/month So we weren’t able to stick to the previous savings rate of an additional $2,500/month but have still been able to continue to have some additional savings that I haven’t broken down. Our yearly costs are still roughly $73k as previous and our FI/RE number is still $2.5 million to keep $100k/yr with 4% rule but don’t plan on actually spending that much unless we increase vacations a lot. I will be retiring from the military at 41 with a 40% pension/VA disability and our medical will be taken care of for life while I plan to coast/barista FIRE with a job I enjoy every day. My wife can retire at 57 also with a pension, we are not factoring those into our retirement plans because it is very hard to know what either of those pensions will be or my disability and we don't want to under save expecting more than we end up with. But for the sake of information we can guesstimate all 3 will add up to $6,000/month. Net Worth reached $135,325 as of today compared to exactly $100,000 last post. Savings/yr will not be $55,421 as planned but should still be around $40,000 which is amazing! Our 2024 goal is still $150,000 net worth by the end of the year and we reached our goal of $100k investments so we are hopeful we’ll reach $125,000 in investments which are currently $108,830. With your help last time we figured that at 41 we'd have $1.2 million with our new increased savings I'm guessing it won't be a huge difference but probably around the $2 million ballpark but we hope it'll just keep increasing as both our yearly incomes keep going up. Thanks for reading the update, I plan on doing this every 6ish months. Keep saving and striving for Financial Independence everyone! If you have any questions are feedback for us it would be greatly appreciated! submitted by /u/Runny_Money [link] [comments]

  • New scenario, path to FIRE.
    by /u/Standard-Resort-6004 (Financial Independence / Retire Early) on July 21, 2024 at 1:45 am

    My wife(34) and I(35) found a home a couple blocks from our current home. We had been debating on stretching ourselves for a dream home, but feel like this home is the safe option and has the things our current home is missing. Financially we can afford to keep our current home and move into the new home, but also don't know if that's the best move. Current Financial Scenario: Annual Income: $360k+ (Wife: $130k, Myself: $230k+) Monthly Income (after maxing 2 work Roth 401ks, HSA): $16k+ Monthly Living Expenses (excluding home costs): $5k Current 2018 Home Cost: $2k/month (including mortgage and insurance), we have a 2.99% rate Extra/month: about $9k/month (after personal ira's and Current Assets: Cash Equivalents: $30k Taxable Investments: $400k Tax-Advantaged Investments: $413k Current Property Value: $720k (with a $336k mortgage balance) Company ISO stock: maybe nothing, maybe $500k+ :fingers crossed: Two new 2023 cars payed off Debt: No debt other than the mortgage Options Being Considered: Don't Do Anything: Continue with the current financial and living situation. Save a ton and invest. Buy Home, Keep/Rent Current home: Cost of New Home: $5.25k/month (includes taxes/fees/PMI) Qualify for a first time home buyer, 3.5% down with plan to pay off PMI quickly Rent for $3k/month (Possibly hire a property manager for about 10% to manage it) Own 2 appreciating homes, with about about $5k/month leftover Buy Home, Sell Current home: Cost of New Home: $3.2k/month (includes taxes/fees) Roll about $350k into new downpayment Own 1 appreciating home, with about about $7k/month leftover Additional Context: Both homes are in a growing area with appreciation potential and very close together if we need to do anything for the first home. Questions: Is it smarter to sell the home and invest the extra money or keep/rent it? Any reason it seems smarter to not buy at all and just stay the course with our current home? I guess we could pay a larger down to avoid PMI, but seems like selling stocks or taking out home equity would be worse? Would love any and all advice. Thanks! submitted by /u/Standard-Resort-6004 [link] [comments]

  • 10 Years to $1M
    by /u/reimu_akano (Financial Independence / Retire Early) on July 21, 2024 at 12:33 am

    I'm a 32F living in a HCOL. This quarter, I calculated my net worth and was thrilled to find out I've hit $1 million. I've been a long-time lurker here and I'm excited to share my journey. After graduating in 2013, I started working as a programmer in a consulting company in 2014 with a starting salary of 61k Unfortunately, those initial months were some of the most miserable in my life, prompting me to jump ship after 8 months. During the Covid pandemic, I tried my luck again with another consulting firm, but after 5 similarly tough months, I realized that consulting wasn't the right fit for me. Luckily, a previous employer bought my private shares for 100k. I invested this money in several tech stocks. Over the past decade, my compensation has ranged from 200k to 230k, depending on the stock market. I currently live with my mom, where I paid the property taxes and HOA fees. With the property tax rate in IL, we essentially paying rent to the state at this point. Lost 25k in a year due to a risky investment in a single stock, driven by my own stupidity and greed. Since then, I've become much more cautious with my investment decisions. NW Breakdown Cash: 20k HYSA: 206k Taxable brokerage: 560k Company Stock: 96k Crypto: 8k HSA: 7k 401k: 113k Debt: 0 I'm currently saving cash for a down payment because I intend to purchase a multi-unit property that will serve both as my residence and an investment. I prioritized investing over contributing to a 401k because my goal is to retire in Southeast Asia by 40. However, I've recently started maxing out my 401k contributions this year. My plan for this year is to sell my long-term company stock holdings and reinvest the proceeds into ETFs or real estate. Since most of my investments are in individual stocks, I'm uncertain about which ETFs would be best for me. Does anyone have any advice? submitted by /u/reimu_akano [link] [comments]

  • Make $80k and have $75k in total debt. Where to start?
    by /u/Acrobatic_Sample_552 (Financial Independence / Retire Early) on July 20, 2024 at 10:38 pm

    Hi. I don’t know how to start clearing my debts. $65k is student loans and the rest is credit card + personal loan debt. I’m a bit overwhelmed also my lease is up & I need a car. I live in a LCOL but also I’m the sole breadwinner of my immigrant family who need help & they’re old. I’ve been working for 11 years now and this is the first time I’ve earned anything above $40,000 a year. Where do I even begin? submitted by /u/Acrobatic_Sample_552 [link] [comments]

  • Retirement account options for PostDoc from Germany living in the US | How to make the best of the situation
    by /u/Savings-Teaching-534 (Financial Independence / Retire Early) on July 20, 2024 at 9:17 pm

    Hello everyone, as the title suggests, I am a 30-year-old PostDoc (3-year contract) who recently moved to the US on an H1B visa. My gross income is around 90k USD per year. My employer set up a DC plan retirement account for me where about 7% of my salary is contributed pre-tax (around 500 USD) with fidelity. I am spending a lot of money on rent since I live in an HCOL area but could set apart around 1k USD per month for saving retirement/FIRE. My current savings include: ca. 40k USD in ETFs with a German broker ca. 100k USD in bitcoin (can be sold tax-free when living in Germany) My employer offers a 403(b) and a 457(b) both as Roth or traditional with not matching contributions. From what I understood is that you can get your money out of the 403(b) without a penalty but the 457(b) allows you to borrow against it. I am 70% sure I would like to stay in the US. Also, I do not know if I want to go back to Germany for my retirement, but for sure will spend a few years there in the future. Does anyone have an idea how I can make the best out of the situation and use the provided benefits in a smart way? Thank you in advance! submitted by /u/Savings-Teaching-534 [link] [comments]

  • Vanguard Accounts Wiped Out?
    by /u/elizabethefor (Financial Independence / Retire Early) on July 20, 2024 at 12:31 pm

    Anyone’s Vanguard accounts at zero this morning showing complete withdrawal yesterday? Several hundred thousand. Wondering if related to IT problems yesterday. Customer service doesn’t answer phone til Monday. Feeling alarmed submitted by /u/elizabethefor [link] [comments]

  • Daily FI discussion thread - Saturday, July 20, 2024
    by /u/AutoModerator (Financial Independence / Retire Early) on July 20, 2024 at 9:03 am

    Please use this thread to have discussions which you don't feel warrant a new post to the sub. While the Rules for posting questions on the basics of personal finance/investing topics are relaxed a little bit here, the rules against memes/spam/self-promotion/excessive rudeness/politics still apply! Have a look at the FAQ for this subreddit before posting to see if your question is frequently asked. Since this post does tend to get busy, consider sorting the comments by "new" (instead of "best" or "top") to see the newest posts. submitted by /u/AutoModerator [link] [comments]

  • Best way to pay off mortgage
    by /u/Party-Sail1069 (Financial Independence / Retire Early) on July 20, 2024 at 6:03 am

    I am currently moving and going to lose my 2.75% mortgage :-(. As you all the new rate is going to be in the 7 range. I have been investing in the retirement accounts and brokerage accounts instead of paying down my current mortgage because of the rate. I personally believe with my new rate I should be paying it off ASAP. I have a few options. Here is my scenario: Loan amount will be 540k I have 400k in equity in my current home which I will be selling I have brokerage accounts with ~600k. Selling them will result in significant capital gains tax and NII due to my income. I currently contribute 69k a year (max) to retirement. This include maxing traditional IRA and my company has a backdoor roth. My current thoughts on what to do: I will take the extra money that I normally put in the brokerage account every month and pay down the mortgage. When my current home closes use the proceed to pay down the mortgage that will get it down to ~140k. This is where I am unsure, I can either: Sell stocks and take the cap gains and NII hit. My plan was to sell when I retired as was in the 0% bracket and no NII (I know tax laws can change) Temporarily stop contribute to the backdoor and which will free up 40k a year to pay down the mortgage I'm going to keep maxing out my traditional due to my marginal tax rate. Neither and just let my monthly payments plus monthly income surplus pay it down much slower. Thoughts? submitted by /u/Party-Sail1069 [link] [comments]

  • Does anyone else just not... want to own a home?
    by /u/Immediate-Wear5630 (Financial Independence / Retire Early) on July 20, 2024 at 4:09 am

    28M and I am well on my path to financial independence but I have no desire to own a home yet or in the forseeable future. I live in VHCOL and I really like the city and would like to set roots here but I just have no desire to own a home: leaving aside the astronomical housing costs, maintenance costs and being shackled to one location within the city sounds a bit asphyxiating to me. From the financial perspective, running the numbers, it also makes sense to rent forever and invest the difference on the market. Would like to hear if anyone has been in a similar situation before. Has anyone else rented long-term? How has this affected your path to financial independence? submitted by /u/Immediate-Wear5630 [link] [comments]

  • Analysis Paralysis -- Ideal 3/2 funds for my situation
    by /u/Pixel-Pioneer3 (Financial Independence / Retire Early) on July 19, 2024 at 5:24 pm

    I am 40, spouse is 39. Have been diligently saving over the years. Have about $2.3m invested across retirement and brokerage accounts, $250k saved in money market account for 1 year expense. Income was increasing steadily from 2008 to 2022, but had a 2x increase in income starting 2023. Current HHI is at $700k and household expenses are $200k + $15k for kids 529. Aiming to retire at 53. Will be adding roughly $250k/year towards retirement till age 50. Age 50-53 I plan to coastfire and direct all savings to a separate brokerage account for kids education+down payment for their first house if there is any left over money. Considering we want to keep the same expenses in retirement, we need roughly $250k/yr factoring in taxes and health insurance. The rough mental math is that the stock market roughly doubles every 10 years. Retirement is 13 years away, so the current investment of $2.3 should be roughly $4.5m then. Plus the $250k x 10 years added to the $4.5m gives us $7m at age 53. 4% SWR gives us $280k/yr, 3.5% SWR gives us $245k. If the market tanks, I can work till 55, but will draw a line in the sand and take what I get at 55 and live life based on the 4% SWR. Any flaws in my assumption/math so far? I am currently 100% VTI for the most part. The assumption is that I am 13 years from retirement and have years to recover from a significant downturn + I am contributing $250k/yr so I can buy on the cheap if there is a downturn, so when the market does go up, it will have a compounding effect. TLDR; High current savings + high savings rate for the next 10 years + moderate expenses in retirement. Does 100% VTI bode well to this situation, or should I be diversifying given my risk appetite? submitted by /u/Pixel-Pioneer3 [link] [comments]

  • Age 40: Should I scale back 401k and focus on taxable? What would you do?
    by /u/thowed-away (Financial Independence / Retire Early) on July 19, 2024 at 1:10 pm

    Spouse and I are currently 40 and would like to be FI by 50 and able to RE if needed. Goal is 3M total, currently invested total is 1.2M (low fee index funds). However, <100k of that is in taxable, due to several years of maxing our tax-advantaged accounts. Vast majority is pre-tax. I am worried that even at 50 we would not have enough taxable to have a Roth ladder scenario. It has been several years since I have researched it, but that was my previous RE plan a decade ago. What would you do, if you were me? submitted by /u/thowed-away [link] [comments]

  • Daily FI discussion thread - Friday, July 19, 2024
    by /u/AutoModerator (Financial Independence / Retire Early) on July 19, 2024 at 9:03 am

    Please use this thread to have discussions which you don't feel warrant a new post to the sub. While the Rules for posting questions on the basics of personal finance/investing topics are relaxed a little bit here, the rules against memes/spam/self-promotion/excessive rudeness/politics still apply! Have a look at the FAQ for this subreddit before posting to see if your question is frequently asked. Since this post does tend to get busy, consider sorting the comments by "new" (instead of "best" or "top") to see the newest posts. submitted by /u/AutoModerator [link] [comments]

  • Ready to have mental breakdown at 2.3 million invested — looking for both financial advice and perspective.
    by /u/Practical_Amount_550 (Financial Independence / Retire Early) on July 18, 2024 at 7:46 pm

    Male, early 40’s, married (early 30’sF); one two-year-old baby girl and another little girl on the way. Around 2.3m invested in index funds. Around 1.6 is available now, the rest in Roth/SEP. Have approximately 2 years of living expenses as cash. Salary the last couple of years has been approximately $300k at the expense of my sanity. I’ve posted on Reddit in the past and it’s the same old story: I’m having a mental breakdown, I can’t do it anymore; then I pick myself up and I keep doing it. I’m a small business owner and I own a small gym in a LCOL mid-west area. I exclusively do personal training and the majority of the business is me. I have had several near mental breakdowns over the past ten years for a couple of reasons: Owning your own business is scary and hard. I am always afraid it’s going to fold. I was always so scared of this that it drove me to aggressively save for the day that it does. I am resentful of my wife. We weren’t together when I started the business but after we got married, she wanted to quit her job and work with me. After she started working with me, she abandoned me. She would come in to work as she pleased and she did not hold up her end of the bargain. So, we essentially went down to one pay check while I worked my ass off 50+ hours and she enjoyed “early retirement”. I tried my hardest to express this to her at the time. For about a year, she started contributing at work but since our daughter was born and another is on the way, she hasn’t been back. This has weighed heavily on me because it was all on me for so long; I felt alone and scared. Since then my wife has apologized; she told me that when we got married she thought that I would just “take care of her” because that’s how she grew up. She expressed that she was young (she’s 7 years younger), immature, and she didn’t understand what a marriage was and how to contribute. Since our daughter has been born, my wife has transformed into an amazing mother but I still harbor a grudge. To be fair, the one year she did contribute at work, we absolutely crushed it and I’ve been striving to maintain that by myself. I enjoy earning a lot of money. I come from a scarcity mindset. I don’t flaunt money or purchase extravagant things. We live well below our means. Money is security to me. The more I earn, the more I can save; the more I save, the more secure I can feel. This year has not been a great year at work. We are on track to make less than last year (maybe $225-250k). This stresses me out tremendously. I always strive to make more each year. The reality is, I do not have the energy and motivation to go above and beyond and do the things I need to do to attract new clients right now. I’m passionate about what I do for a living and I truly enjoy the actual work. Getting new clientele and beating last year’s numbers are the hardest parts. Plus, I have much too large of a clientele for one person to handle. My OCD tendencies allowed me to build it this big but it’s too big to manage for one person and I know that. However, whenever I have an almost mental breakdown, I’m always able to snap out of it and build it bigger. I’ve tried hiring people and it just doesn’t ever work out. I dread going into work and seeing it being less successful than the previous year. It eats away at me every day. My only escape is spending time with my daughter, but even then, I’m not fully present. I could be spending time with her now but I’m on Reddit. I feel so alone because I am so resentful toward my wife that even though she has transformed into a great mother now, I just think of all the years of struggle I went through alone. I love my work schedule right now. I work about 30hours per week although I work 24/7 in my head. But 30 hours for $300k that took over a decade to build, I feel very grateful and I don’t want to lose it. I was hoping to FIRE by 50. Realistically, with 2 kids, $100k after taxes would make me comfortable. Being able to retire with 4+ million would make me feel more safe though. So I have to get through 8 years but I’m finally having the real mental breakdown NOW. I’m having physical symptoms now. I can barely get out of bed and I can barely get through the day. I’m shaking constantly and I can’t take it anymore. My wife and I are in therapy together but it doesn’t feel helpful to me. Can anyone relate to this situation or provide some perspective? I wish I could just let go and not care about work; just let work dwindle down and make living expenses but something within me can’t stop caring. Any advice is greatly appreciated. ps. I realize my thoughts are scattered; I’m not feeling my best. submitted by /u/Practical_Amount_550 [link] [comments]

  • The Official 2023 Survey Results Are Here
    by /u/Melonbalon (Financial Independence / Retire Early) on May 5, 2024 at 8:53 pm

    Mike you can stop asking because… The data for the 2023 survey is now available. Woot woot. There are multiple tabs on the sheet: • Responses: The survey results after I did some minimal clean up work. • Summary Report – All: Summary that the survey software automatically kicks out (this is what folks were seeing after taking the survey). • Statistics – All: Statistics that the survey software automatically kicks out (this is what folks were seeing after taking the survey). • Removed: Responses that I removed as either suspected duplicates or because they were almost entirely blank. • Change Log: My notes on the clean-up work I did. And if you want some history, here are the prior results. I’m also linking the old Reddit posts when I released the data, you can see the old visualizations linked in those if you’re so inclined. 2022 Survey Results/ 2022 Response Post 2021 Survey Results/ 2021 Response Post 2020 Survey Results / 2020 Response Post 2018 Survey Results / 2017 Survey Results / 2017 Response Post 2016 Survey Results / 2016 Response Post Note: The 2016 - 2018 results are partial - all respondents were able to opt in or out of being in the spreadsheet, so only those who opted in are included. 2016 also suffered from a lack of clarity in the time period responses should cover, which was corrected in later versions. And if you really want to see a blast from the past… Here’s the very first survey that was ever posted And here’s how I wound up in charge of it… And here’s what we originally all wanted to get out of this thing. Reporters/Writers: Email or send this account a private message (not a chat) with any inquiries. submitted by /u/Melonbalon [link] [comments]

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