Financial Independence and Legit Side Money Ideas For Techies and Geeks

Legit Side Money Ideas for Techies and Geeks

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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:

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  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.”


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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.

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Legit Side Money Ideas on Quora

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  • Steps to consider 10 Years out from Early Retirement
    by /u/lizref (Financial Independence / Retire Early) on June 13, 2024 at 3:55 pm

    What steps should I be considering 10 years out from reaching my expected FIRE number?   Goal: $1.5M Portfolio + $50K/yr pension + lifetime healthcare (military) to replace current expenses of about $110K/yr by 45 y/o (10 yrs from now).   Current State: ~$400K invested (100% stock, mostly index funds), maxing out ROTH TSP(401K-ish) & 2x ROTH IRA contributions. My projections indicate that $1.5M is achievable in 10 years. (DINK - so far)   Are there strategies I should look at now to make accessing retirement accounts before 65 easier? Is 10 years out too early to start considering more conservative investments (bonds)? Am I too heavy on the Roth side? submitted by /u/lizref [link] [comments]

  • Reached 150k NW today at 23!
    by /u/kbyefelicia (Financial Independence / Retire Early) on June 13, 2024 at 3:52 pm

    And no I am not a SWE, and I’m not living at home with my parents. I first heard of the concept of FIRE when I was 19 (thanks to a fateful CNBC - Make It Youtube video), and I'm now 23 and just this month reached a NW of $125k. I've invested pretty aggressively during this time and had some luck landing a high paying job out of undergrad. I live in a HCOL city area. Here's a rundown of how I got here: * Fall 2018 - Started college, had 97% need-based financial aid covered because my family was poor enough, worked an on-campus work-study job for 4 years (~10hrs a week), only had 1 paid summer internship (8K), had a resume writing/review side hustle (1.5K~) * August 2019 - Opened my Roth IRA after seeing a Youtube video and had 11K in my Roth IRA (90/10 VTSAX/VTIAX) by Jan 2022 by saving from my jobs and internships, bought a few thousand in crypto in 2020-2021 in another account (did a oopsie when I first invested into my Roth IRA, but didnt buy any stocks/index funds) * May 2022 - Graduated college w/ $12K debt, got an analyst job right out of school making $100k in the finance industry working 30hrs~ a week (coming from a natural science major that only took Calc 1 and had no business/econ classes), was over the moon getting the offer letter my first month of senior year * Fall 2022 - Moved to a HCOL area, rent was 2000 w/ utilities (definitely wrongly splurged hard here, but also was moving in at peak rent price season and wanted to live a little), and immediately set my contributions to max out my 401K and HSA by the end of the year (contributed 50% of my pretax to my 401K) * Fall 2023 - Got a pay bump to 107K, still maxing everything, also added a brokerage account to put extra money, also moved to a much cheaper apartment now paying 1650 w/ utilities Today's numbers: Monthly income after taxes, 401K, HSA: $3,650 Monthly Bills for rent, internet: $1700, no car since my city has a good metro, I love to cook so I don’t eat out much and my hobbies/interests are quite low expense wise Individual Brokerage: $18,500 (15% rate of return, all VTSAX) Roth IRA: $34,500 (11% RoR) HSA: $11,100 (all US Total Market Index) Trad 401k: $78,100 (28% RoR, all whatever Fidelity’s VTSAX is) I’m doing traditional since I dont think I’ll be withdrawing/making more than 100K a year when I become FI Cash: $1,000 (privileged to have parents who would support me if anything goes wrong, meaning I can be aggressive in investing and not worry about an emergency fund, but I also am responsible for taking care of my parents in the future as they have 0 in retirement savings) Crypto: ~$8,500 (80% ETH/20% BTC, still like 10% negative since I DCA’d around peak, not exactly sure when I’ll sell) Student Loans: -$12,000 (at 3.6% so picked lowest monthly payment plan) Things I did right to get here: * Worked hard in high school to get good grades (hardest I ever worked in my life if I’m being honest) and to apply to low-income/first-gen scholarships that were available to me * Researched and found that top private schools are able to give you full ride if you’re poor enough (shoutout to Questbridge), was able to apply due to my strong grades and extracurriculars * Perfected my resume (even to the point of opening a resume review freelance gig), focused on getting experiences instead of maxing my GPA (while my peers cared more about their classes), and aggressively networked and utilized first-gen/low-income college career programs, my school’s resources, and alums to learn more about career paths * Spent my winter breaks applying to research programs, applied to 200 internships during the school year to land my first paid summer internship before senior year amidst COVID hiring freezes (which allowed me to only have to apply 5 in order to land a full time job) * Was proactive in applying to things (started applying to full time jobs at the end of my summer internship before it was even over), aggressively spoke to all my college professors to try to get into their labs for research, made connections in my school’s career office to be aware of opportunities, all of these made it that much easier to transition from my natural science experiences and major to a business oriented career path without having to change majors/take more classes Privileges/Luck: * Had hard working parents who deeply communicated the value of education to me through telling me their hardships growing up and how they have to work extra hard with their hands just live * Had parents that chose a safe, new, higher income neighborhood which had a great school system even if it meant no money for vacations of anything fancy * Went to a small private school where I could be a big fish, got lots of attention and support, didn’t have to work to go to school since it was almost all paid for * Summer 2021 was when companies were having hiring shortages which definitely benefitted me as I was applying * Landed at a great company, low stress high paying corporate job, in a hard-to-layoff role and area of business, since there’s not many other higher paying salaries for my role anywhere else, I’m happy to stay here for a long time * Started and am in a bull run My biggest advice for anyone in college: GET THOSE INTERNSHIPS IN. I did a total of 8 ‘resume-worthy’ things like research experiences, volunteering, and internships, and they definitely propelled me to my current job, and especially enabled me to pivot career paths easily. I went from lab research into marketing internships into now analytics. Each internship/experience makes getting the next one EXPONENTIALLY easier and better. The sooner you start, the easier your life is. I cant stress that enough. I was lucky enough to go to a school that offers school credit for doing these 8hrs a week internships. TLDR: Had a good upbringing and family, worked hard in high school and college (did 8 research/internships) and landed a high paying job graduating with relatively little debt, learned about FIRE early and invested aggressively to max out everything, used my college support system, mentors, Reddit, Youtube, and Google to teach me everything I needed to know about career and finance. My next milestone goal is $500k. Hopefully looking to hit FI by 35-40, not sure if I want kids but I do eventually want a house with on a big plot of land. Now my only thing to check off is to secure a partner who’s also into FIRE. submitted by /u/kbyefelicia [link] [comments]

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  • Crossed 500k invested for the first time!
    by /u/Newhome_help (Financial Independence / Retire Early) on June 13, 2024 at 12:50 pm

    As of this morning, we crossed the 500k investment milestone! Married (33/35) 2 kids. I made a daily post earlier mentioning we were close, but I forgot about an old HSA my spouse had that had just enough to push us over the hump. Currently sitting at $500,951.59! Portfolio is ~85% VTSAX or equivalent, ~15% individual stocks (mostly company stock) and a small amount of required cash holdings in our HSA. Overall networth (home equity, student loans) : 625k. Factoring in college savings for kids would give us ~680k. submitted by /u/Newhome_help [link] [comments]

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  • Any real experiences with "When is it enough"?
    by /u/Throwaway_61224FIRE (Financial Independence / Retire Early) on June 12, 2024 at 10:49 pm

    (Posting on throwaway because friends know my main - and stealth wealth is our preferred path). Also posting separate posting because it seems too long for daily. I would like to start with thanks in advance. I realize we're in the chubby fire realm, but this sub is SO MUCH better :-). I also realize how lucky we have been - timing, steady jobs with steady progression, few lucky opportunities. I would like to get some thoughts from folks on our situation. Struggling with 2 things - when is enough enough, and how do we get over the fear of wanting more to cover expenses when we stop working. We're afraid of the unknown of course, and afraid of lifestyle inflation with more time on our hands. Early 40s, DI2K elementary school aged in top 10 HCOL city. Current HH W2 is around 320k with an additional 35k +/- possible depending on company performance (Fortune 100). other income is dividends (all reinvested) and interest. Over the years through saving and some successful one-off opportunities, we have saved quite a bit. Always followed aggressive saving, but only aware of the FIRE movement after Covid times. Current Situation - all approximates: Taxable: 2.8M mostly VTI 401ks: 1.5M mostly S&P500 funds ROTHs: 550k (always max, access and doing MBDR the last 3 years) mostly VTI HSAs: 50k (max since gained access) mostly S&P500 funds Cash: 200k HYSA at 4.5% TOTAL: Approximately 5.1M. HIGH risk tolerance based on age and savings. With interest rates so low the last 15 years, I've had no desire for any bonds/bond funds and we're keeping extra cash as emergency fund and equivalent "bond" fund. (We did to iBonds a few years ago when that was a good deal.) Have some other funds not counted for in these funds. Fully funded college fund - should be more than enough to cover out of state public tuition and nice car or down payment afterwards for each kid. Cash in addition to above earmarked for home improvements and renovations we want to do once we select a contractor. Only non-revolving debt is mortgage. Owe less than 350k on 1.5M house current market rate. Public records show 800k loan. 27 years left, 3.25% rate. Never going to pay this off - we like the idea of people thinking we still owe a lot to help the stealth wealth cover. Expenses: 2022: 158k 2023: 156k 2024 trend: 165k To retire early, we're not going to pull the trigger with a withdrawal rate higher than 3.0%, which historically I also know if very conservative. Today, we're about 92% there (165k u/3% is 5.5M fund) for comfortable retire early, over our target at 3% if we needed to cut back a little for losing jobs (less dining out, less frivolous spending). But we're also planning to: -travel a lot more in retirement (~20k+ for more international, longer trips, etc.) -we talk about joining the golf club we live on (6k membership) -talk about even more travel for skiing (10k in extra travel to different places) -Entertainment/Hobbies budget will get 5k higher as we have more time for hobbies, concerts, shows, events. -Thinking it would be nice to have lawn service (6k quotes now - 500/mo 12 mo contract) -Thinking it would be nice to have Household cleaner (10k quotes now - 400 every other week) With all that, it balloons to $220k/year. My wife is extremely scared we will start spending even more than that if we're not working. Assume we keep working and saving as we do, and market performs at a 9% real growth rate and 3% inflation, that all seems attainable in ~10 years. Still retire early. Folks not as much on the "lean" fire path - What are your thoughts on ballooning retirement spending after retiring early. Anyone experienced that? I'll do my best to respond to comments, but I only get short breaks to check in normally (this has taken me two days to write up before pasting in here :-). submitted by /u/Throwaway_61224FIRE [link] [comments]

  • Worth contributing extra to 401k to get full match, but then immediately withdrawing the "extra" contributions?
    by /u/SWMOG (Financial Independence / Retire Early) on June 12, 2024 at 8:39 pm

    Just had a good question asked of me by a friend. He works for a company that will match 50 cents on the dollar of employee contributions with no limit. Right now he's contributing 16% of his salary. He said he would need to bump his contributions up to 27% to be contributing the full $23k employee limit and get the full $11.5k in employer match. He wanted to know if it was worth contributing the extra 11% to get the full match, and then immediately withdrawing it, because the 50% match by the employer is larger than the 10% early withdrawal penalty. If 27% would be $23,000 employee / $11,500 employer, I think that means his 16% current state would be in the neighborhood of $13,600 employee / $6,800 employer. That would mean the incremental amount would be $9,400 employee / $4,700 employer. My guess at the math on whether it would be worth it: Benefit: $4,700 - the additional amount contributed by his employer Detriment: $940 - 10% early withdrawal penalty on the $9,400 in contributions he is putting in only to pull out right away (I know he would also have to pay income taxes on the $9,400, but I think that is net neutral as he was going to pay those anyways if he didn't put the extra $9,400 in his 401k). Net benefit: $3,760 (aka $4,700 - $940) In general, I know you don't want to be pulling money out of your 401k early while still working 99 times out of a 100, but I'm not seeing any holes in his logic (especially since it's not like he's totally blowing off saving for retirement) Not sure if this is relevant, but I asked about vesting and he said he is immediately fully vested in all employer contributions because he has been at the company for more than double the 4 year vesting period. He also said the employer match is contributed with each paycheck - it's not one of those once per year true up situations. submitted by /u/SWMOG [link] [comments]

  • After the boring middle... too close not to dream...
    by /u/ForsakenDetective849 (Financial Independence / Retire Early) on June 12, 2024 at 3:06 pm

    Hi everyone! I am using this new account as a sort of Throwaway because people I know will recognize my other account and prefer them not to. 37M here. I've been following this subreddit as well the FIRE philosophy for the good part of a decade. I started with 30 or 40k back in my 20s and I am at 950k today with the latest market pump, which we know we can't assume it'll stick but still... I lived the beginning of FIRE (for me, not the movement itself), the obsession, the finding the balance, building the life I wanted, then saving for it. And then the boring middle which can become Really boring and sometimes question whether it makes sense or not to continue. The truth is... I've just been on autopilot. I have slowed down my contributions because of life situations but my portfolio kept growing, to the point I hope to be able to say I've got a round "1M" sometime this year, unless the markets goes down, which can also happen. My problem is... I'm really close. I have very low expenses (not as low because I don't spend money, low because I live in a place with low cost of living, outside of the US, and where I'm an immigrant). I usually don't need more than $2500 any given month. Sometimes less, but when we account for travel back home, or for the occasional 'western lifestyle expense' I would estimate my total expenses at $36k/year. $40k would already be like... really on the safe side. And... I'm... some calculators say I'm there, some say I should have a bit more... but... I know that if I made the commitment to say "f... it" I could adjust spending on bad years and I wouldn't run out of money. Well... that's what I tell myself. Truth be told, I don't know. I have a job... I don't love it, but I do it because it covers my expenses with a little margin (I had much better years making 3-4 times my annual expenses, that's when I saved the big bucks). And my tolerance to bullshit is decreasing... quickly. I tell myself I do it almost as BaristaFIRE thing, but it's actually not, I'm still fully working. And although I'm relatively young, I can't help but fantasize with pulling the trigger. Not sure if I'm asking for your judgement, for tough love, for permission, or for advice. I guess I am asking for feedback. I know that most here are on the way, just like me. Few others might have already retired, and without really wanting to offend the first group, I would really like to read the opinions of those who retired. But at the same time I'd like to hear from everyone... what would you do in my situation, and why? Am I lacking any perspective? Are there any questions you'd like to ask me to narrow down your answer? Please 'fire' away 🙂 Thanks for reading me! PS: All the money is in post-retirement accounts. All ready to be deployed. No Real Estate of any kind yet. I think it might be wise to buy the place where I intend to live for the foreseeable future before pulling the trigger... it would eliminate rent as variable expense. I could do that today in cash if I wanted to. PS2: Some friends told me "why don't you take a year off and see how it feels?" It's not a stupid idea but I am so close that doing that would delay my date by more than a year, that would have made sense a few years ago. Reinserting myself into the working life may be hard, or impossible, and it would be pointless to "just try a year off" right now in my opinion... submitted by /u/ForsakenDetective849 [link] [comments]

  • Why I feel behind.
    by /u/ThrowItAwayAlready89 (Financial Independence / Retire Early) on June 12, 2024 at 2:15 pm

    Just wanting to explore some FIRE psychology. Turned 35 this week and have been hovering around $750k NW. This includes my primary home ( which I’m currently renting out ), and another rental home. About $275k is in retirement accounts. These numbers seem large when I look at relative stats and I recognize how fortunate I am. However, I feel behind. At 35 and with a newly diagnosed chronic immune disease, I’m feeling the age. I’m watching my parents get old and mentally struggling to keep up. I haven’t even started the family that I felt like I wanted as a child. I’ve been so busy chasing this Financial Independence goal - “once I get there I can let myself be happy”. I suppose I share this seeking insight those who have broken out of this mentality. And also for those who may “feel behind” when they see my net worth and age. The number doesn’t fix all of your problems. submitted by /u/ThrowItAwayAlready89 [link] [comments]

  • Weekly Self-Promotion Thread - Wednesday, June 12, 2024
    by /u/AutoModerator (Financial Independence / Retire Early) on June 12, 2024 at 9:03 am

    Self-promotion (ie posting about projects/businesses that you operate and can profit from) is typically a practice that is discouraged in /r/financialindependence, and these posts are removed through moderation. This is a thread where those rules do not apply. However, please do not post referral links in this thread. Use this thread to talk about your blog, talk about your business, ask for feedback, etc. If the self-promotion starts to leak outside of this thread, we will once again return to a time where 100% of self-promotion posts are banned. Please use this space wisely. Link-only posts will be removed. Put some effort into it. submitted by /u/AutoModerator [link] [comments]

  • Daily FI discussion thread - Wednesday, June 12, 2024
    by /u/AutoModerator (Financial Independence / Retire Early) on June 12, 2024 at 9:02 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]

  • Is it possible to contribute to both a 401k and 401k Roth in the same year?
    by /u/holistictales (Financial Independence / Retire Early) on June 12, 2024 at 5:18 am

    My spouse says he's stashing away about $60k at work with a 401k and an IRA of some sort. I read that the limit for 401k is 23,000 and 7500 if you're 50 and there's a max if you have 401k, 401k Roth, IRAs. Is it possible to be investing in both types of accounts at a single employer or does he need to stop/revert the excess to avoid double taxation? submitted by /u/holistictales [link] [comments]

  • Hit 500k net worth at 28 while going through a hard spell
    by /u/ahouseofgold (Financial Independence / Retire Early) on June 12, 2024 at 4:46 am

    I've not been doing that well lately (just started therapy!). I want a new job, a new living situation (I've been living with my parents, although it's a good location and setup), and a new girlfriend (recent chance at a relationship fell through). Really not sure about what I want - like if I want to just travel long term, or what kind of job can make my daily life more fulfilling, or if I should move to another city (I'm about to work in Chicago for 7 weeks as a trial run of living there). But I can celebrate I finally hit 500k net worth making around 100k in Atlanta. I had full scholarships for college and lived with family for cheap-ish on and off for the last 3-4 years (maybe half the time I was home and half the time I went digital nomad and worked while traveling) Chase bank N/A (I have money in there but it's very paycheck to paycheck for my credit card bills) Robinhood $53.2k Inheritance AUD$10k so about $6.5k USD I'm still waiting to receive Vanguard $265.8k (VOO/VTI brokerage $198.6k, Roth IRA $52.5k, treasury ~5% yield fund like a HYSA $14.6k) Fidelity $174.5k (roth 401k $59.2k, before tax 401k $106.4k, HSA $9K) 53.2k + 6.5k + 265.8k + 174.5k = 500k! submitted by /u/ahouseofgold [link] [comments]

  • 1 Year Post Graduation! - 83k NW
    by /u/ThFireGuy (Financial Independence / Retire Early) on June 12, 2024 at 1:19 am

    I (24M) just recently passed 1 year of working and pursuing FIRE. I originally found out about the concept of FIRE while surfing reddit while bored at an internship during university. I spent a lot of time reading about the concept as it aligned with my already frugal and saving habits. Additionally, I didn't choose my career based on enjoyment more so for the stability so the opportunity to leave the work force earlier is very appealing. I went to college at a state school (MechE) due to its low cost. I used all scholarships, grants, and student loans to cover costs. Luckily, due to studying hard in highschool, scholarships and grants covered roughly 95% of all costs, including housing and food. I did however take excess loans in order to max my Roth IRA. Upon graduation, I accepting a job in flyover country based primarily on how much I would be able to save. I do struggle if I am spending enough on now for memories with my SO and family but ultimately I would rather save to much now and dial it back slowly than save to little for the life I want to live later. On to my stats & numbers: Year Gross Income Spending Net Worth 2023 (Grad) $19,733 Unknown $15,243 2023-2024 $95,852 $27,018 $83,637 My NW breakdown is as follow: ~$24k Cash ~30k Roth IRA ~27k Roth 401k ~15k Traditional 401k ~4k HSA ~5.5k Employee Stock Ownership Plan ~11k Student Loan Debt ~10.5k 0% APR credit card Debt Over college I was able to max my Roth IRA for 3 years, and then last year I put all of my spare money not needed for living expenses into maxing my Roth 401k seeing as my marginal tax rate was very low due to only working for half the year. This year I had switched to maxing my Traditional 401k, Roth IRA, HSA, and buying the maximum amount of Employee stock. I have looked at all of the math on why a Traditional 401k is better for FIRE but I have been really tempted to go back to ROTH, seeing as I know my income will continue to rise sense I am just starting my career. Any advice or insights appreciated! Goals: I would like to continue to max these tax advantaged vehicles while also paying off all student loan debt. I realize this isn't optimal as the rates are only 4.5-5%. Maybe talk me out of this? After that, I will most likely stockpile money for a potential house or real estate investment, If I accumulate too much cash I will just put it into a standard brokerage account. Boring Middle here I come! That's it! Thanks for Reading through and your comments and Ideas. submitted by /u/ThFireGuy [link] [comments]

  • Is the USA mainly cheap to live in? Seeing a lot of $1M FIRE achievement post, which is awesome. But in other parts of the world, $1M would just not be enough to FIRE
    by /u/WealthandFIRE (Financial Independence / Retire Early) on June 11, 2024 at 10:03 pm

    I have noticed a lot of FIRE posts here and on other sites about people reaching $1M and FIREing. Make no mistake, $1M is a significant achievement and they should all be very proud. I do wonder though how $1M is considered enough to FIRE in the USA particularly, when in most other parts of the world, it would be hard to FIRE on $1M, especially for a family. Are these people mainly single, living in small towns in the USA? Or should I be thinking of moving there 🙂 Thoughts? submitted by /u/WealthandFIRE [link] [comments]

  • Daily FI discussion thread - Tuesday, June 11, 2024
    by /u/AutoModerator (Financial Independence / Retire Early) on June 11, 2024 at 9:02 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]

  • (almost) 500k NW on my 26th Birthday
    by /u/KhangarooFinance (Financial Independence / Retire Early) on June 11, 2024 at 7:36 am

    Hey Everyone, I just wanted to come on here and share my FIRE journey so far. I understand that I am lucky to be in the position that I am right now and I am very grateful for the opportunities that I have. I am all for financial transparency so I wanted to share my data point, and at the same time, I want to be able to bounce ideas off of other like-minded people as many of my friends/peers do not view personal finance and the journey to FIRE the same way that I do. Assets Breakdown: 401k - 28.8% ( $143,373.50 ) brokerage - 51.3% ( $255,656.30 ) Crypto - 12.4% ( $61,618.15 ) Roth Ira - 4.5% ($ 22,255.04 ) Cash - 3.1% ( $ 15,339.32 ) Liabilities: Canadian student loan: $7,010.73 NW total: $491,251.60 Notable info / Questions FIRE Goal of 2.5MM Plan to FIRE / Coast Fire in my mid-30s. Have the option to Retire in Canada. Most of my holdings are in VTI. A large portion of my portfolio (~20%) is in my company stock ( think FAANG ). It is a big reason why my portfolio has grown, but at the same time now it's too large and I want to diversify but don't want to pay tax on it, I think that I can wait until a year when I've retired to make use of the lower income, or when If and when I go back to Canada I will get to adjust my cost basis for free. Crypto is a high % allocation due to the recent bitcoin growth, plan to hold for the long term, but " you can't live in bitcoin" so unsure how to proceed with my allocation here. Do any of you have a higher % of crypto allocation? I also think I can get a free bump to my cost basis if and when I move back to Canada for this as well. How do you younger folks factor in owning a home to your overall FIRE plans? I wouldn't want to include my primary residence into my FIRE number, but at the same time I don't know If I would want to FIRE while still renting Anyone in their mid 20's consider a rental property? I've been thinking about out of state rentals since nothing in my area will cashflow, but it seems like a logistics nightmare Would I be silly to buy a 5k rolex? 1603 black dail OP if you are curious Backstory TLDR: Born to working-class refugees in Canada, went to university for computer engineering in Canada. Got lucky and did some internships with large US companies, converted that to a full-time offer for the US after graduation. Moved to Seattle after graduating for a starting salary of ~ $160k USD. Been dumping over 50% of my gross income into the stock market each year. Got lucky with some of my RSUs as well as the overall stock market to bring my NW close to 500k by my 26th birthday. Things I have learned: I am very passionate about personal finance and have been tracking and sharing my net-worth online for the past 3 years. To get to this NW at this age I have lived below my means for someone who has this salary; Instead of moving into a luxury highrise, I got roommates, I don't own a car, I meal prep, pack lunch, I don't eat out a ton, etc, even though I could probably easily afford all of those things. For a long time I was obsessed with growing my networth, but in a very negative way and toxic way. I have always been on the frugal-er side and in the past I've said no to many activities, vacations, and outings that I would enjoy just purely based on the cost. I think that these feelings came from a scarcity mindset that was passed down by my immigrant parents, and while it has helped me in advancing my FIRE goal, it has also left me with a somewhat toxic relationship with money. Now that I've been outwardly reflecting and sharing my journey I've started to realize the harm it's done to my mental health and have started to unlearn some of those toxic habits. Now that I've essentially reached the milestone of halfway to 1m, I feel that I have gotten to a point where I care less about the penny pinching and the frugality, and have started spending money on more things in order to enjoy life. As I get older, I hear of people my age getting sick or unfortunately passing and it has really made me re-think my priorities. So while I am happy that I was able to invest this much, I don't think this lifestyle is sustainable for me and would urge someone who maybe is in a similar situation where its only saving and investing, to remember that you can't bring the money with you to the grave. If you are in a similar-ish position as me: younger SWE, living in HCOL city here is some of what you should consider: Get roommates ( if you can handle it ) rent will probably be your largest expense, minimizing it by getting roommates will give you a lot of flex room to invest more, or spend money on hobbies etc that give you fulfillment if you ONLY care about money, choose Seattle over SF. Similar Pay Seattle has lower COL WA has no state income tax Seattle weather kinda sucks tho 🙁 Invest now I could not invest another penny and be set by the time I reach conventional retirement age The money invested now, especially if you are younger and have the ability to invest a lot will give you a lot of breathing room in your 30s Have a clear vision for your future FIRE goals Saving is fun, but you don't want to get too fixated on the number going up which I think can happen if you don't have a clear vision for your future goals Having a goal to work towards or like a vision board will help you realize that the number in your brokerage is not the Goal and is only a tool to help you achieve what you wrote down on your vision board Don't go too frugal Spend money on developing hobbies that you enjoy and that you can retire to Spend money on fostering relationships, submitted by /u/KhangarooFinance [link] [comments]

  • I hit 103k NW at 28 years of age
    by /u/orgasmic_calculus (Financial Independence / Retire Early) on June 11, 2024 at 3:20 am

    Not sure if this milestone is worth celebrating (I can be quite nihilistic, last couple years were rough lifewise). I have zero debt. Here's the breakdown: Account Balance Checking #1 5,778.42 Checking #2 376.41 Business Checking 12,373.10 High Yield Savings 20,540.21 Individual Brokerage (SOUIN, TLRY, SWPPX) 15,445.65 Rollover IRA (SWPPX) 9,754.97 Roth IRA (FBTC, SWISX, SWPPX, VOO, VWAHX) 38,841.30 Total 103,110.06 I make 130k from my w2 SWE job, and run a consulting LLC in the same industry. My goal isn't to FIRE using stocks/etfs and saving like crazy - but to create a SaaS that pays enough for me to live without working a w2. I'm currently building this app prototype and am trying to go public with it in the next 6 months I am maxing out my Roth IRA and am contributing to my employers 401k up to the 3% match in a Fidelity SP500 fund. I just started a new job and haven't contributed to my 401k yet. I've moved all my past 401k to the Rollover IRA. Am I doing well? Yes I know I'm gambling in my Individual Brokerage - it helps me scratch my FOMO itch. What would you guys recommend going forward? submitted by /u/orgasmic_calculus [link] [comments]

  • Looking for feedback on current financial state
    by /u/roambuild (Financial Independence / Retire Early) on June 11, 2024 at 2:19 am

    Posting to get y’all’s opinion on how you guys think I’m doing financially. 31M working full-time in high cost of living area. Make 135k. Still live with flatmate to save money on rent. Wish I could buy a home and rent out the extra rooms. However homes are expensive, and not sure if I want to stay where I’m at in long run. Net worth breakdown is: 55k brokerage 40k in savings 155k in 401k and Roth IRA 20k crypto First 100k at 28, 200k at 30yo. Max out Roth IRA contribution. I should max out 401k but currently at just 10% plus company match. Save the rest in HYSA and a little bit to brokerage to chip into ETFs for eventual down payment on home. No student loans/car debt. Payoff cc at end of month. Have hobbies that aren’t expensive and do make time to enjoy what this life has to offer. I think I’m doing ok financially and on the right path, but been feeling stagnant. Reckon I just keep on doing what I’m doing, but at what point could I spend a little more (say rent my own place) to improve quality of life? submitted by /u/roambuild [link] [comments]

  • Our FI journey - looking for some feedback
    by /u/Work-Less-Live-More (Financial Independence / Retire Early) on June 10, 2024 at 9:33 pm

    Hi all! Long time lurker, first time poster 🙂 We have been on a FI journey for the last seven years or so, and I wanted to run some numbers / thoughts by the community here and hopefully get some feedback. Our current situation looks like this (husband and wife; no kids): $1.0M in IRAs $200K in Roth IRAs $100K in Vanguard Brokerage Account We have no debt (house and cars paid for, etc.) and enough cash on hand for 6-8 months We are both highly educated, and have been able to find part-time jobs (2-3 days a week) that still allow us to earn a healthy living (current take home pay is about $150K / year). We would like to fully retire 10 years from now. In our current position, we are saving about $50-$70K per year. The wide variation is due to our love for travel; sometimes we get a bit carried away but oh well 🙂 By our projections, our IRAs / Roth IRAs will grow to about $2.3M in 10 years (assuming 6% real return and dividends reinvested - we are ~90% stocks / 10% bonds and plan to stay that way). We do not plan on contributing any more to those. We are instead planning on putting all of our extra money in our Vanguard Brokerage Account; at $50K per year for 10 years, that should grow to about $840K (assuming 6% real return). We would be 50 when we want to retire. At $100K per year of spending (assuming constant withdrawal), our plan is to use our brokerage account to sustain us until age 59.5, then start tapping into our IRAs at that point. At the worst case, maybe we would have to tap in to our Roth IRA a little bit before 59.5. I wrote my own spreadsheet to run Monte Carlo simulations (using a mean real return of 5% with 2% dividends and a standard deviation of 15% - trying to simulate a portfolio of 40% SCHD, 40% VTSAX, 15% Bonds and 5% Cash), and the success rate I am seeing is about 90%, with the assumptions that we will live until 100, our effective tax rate will be 15%, we will spend $1M on healthcare in retirement, and collect a modest SS payment starting at age 70. I am comfortable with that success rate, but would love to hear from you all if there is anything we are missing. Thanks! submitted by /u/Work-Less-Live-More [link] [comments]

  • Side Hustles That Worked (or Didn’t) for You on the Path to FI?
    by /u/mikelonggggggggg (Financial Independence / Retire Early) on June 10, 2024 at 10:57 am

    I’m trying to speed up my journey to financial independence and considering starting a side hustle. What side hustles have you tried, and which ones actually helped you make progress? Any ones you’d avoid? There are so many options out there like retail arbitrage, vending machines, cutting grass etc. and any number of things. I just don't have a ton of free time outside of my current job. submitted by /u/mikelonggggggggg [link] [comments]

  • Daily FI discussion thread - Monday, June 10, 2024
    by /u/AutoModerator (Financial Independence / Retire Early) on June 10, 2024 at 9:02 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]

  • Doing my Milestone too! $1M
    by /u/Tdawg90 (Financial Independence / Retire Early) on June 9, 2024 at 9:07 pm

    $450k in personal stocks Mostly index funds, ESPP, handful of stocks in companies I just like. Got lucky with a few personal stocks like NVIDIA (I'm a gamer). $23k ROTH IRA $20k Traditional IRA $472k 401k $35k HSA (does this count?) $25k cash (about +4k/mo, rainy day funds, lending out to family, move chucks into indexes as the fund grows) optional: ~$700k in equity in my home (~$50k remaining on the loan) and then some background: In my early 40's, in a HCOL area. Grew up 3 other siblings in the Free School lunch programs, hand-me-downs, ect growing up. No college (couldn't afford, or know how the system worked), but was/am a gamer aka a techie. Single provider for a family of 4. 1.5 cars (one nice car paid off, one very old car paid off). Timing was lucky as I got a career job just before the 2008 collapse, bought a (very) fixer upper at the very very bottom of the housing market. The house is effectively paid off, only that the rate is <3%, and something like 90% is going to principle at this point (15yr loan). Ever since I got hired early 2008, I felt like I've been flying crazy close to the sun. As a result I haven't leveraged my assets as others have, as I don't have anything to fall back on if a bet goes bad. And because of that and my background I've always kept my cost of living relatively flat from ~2010. And from that I do max out my 401k, roths, big chuck into ESPP, big chunk into HSA. Then what ever remaining goes into the cash rainy day fund that's in another bank account. So as time goes on an my salary increases, my "take home" remains flat as the extra gets siphoned off into other accounts. submitted by /u/Tdawg90 [link] [comments]

  • Are you part of a family trust that’s 2nd or 3rd generation?
    by /u/Jumpy-Ad-8893 (Financial Independence / Retire Early) on June 9, 2024 at 3:27 pm

    Hi everyone, As the title describes, I’m trying to understand what the 2nd or 3rd generation think of family trusts. Planning on setting up a family trust, for when the time comes. However, want to hear back from people about the stuff that no one talks about online. What do you think? Would you set it up if you had a chance? How has it affected family dynamics & relationships? More drama? Or less? Do you feel it’s tied you down to some people you barely know, and don’t care much for? Would love to hear what you think submitted by /u/Jumpy-Ad-8893 [link] [comments]

  • Road to FI
    by /u/Melodic-Indication62 (Financial Independence / Retire Early) on June 9, 2024 at 2:23 pm

    Came to US because we were broke back home. When my parente came, they had $2,000 which was used for rent. So essentially $0 hence reason why they had to start working 2 days after they landed in US while still having a jetlag. I was 14years old at that time. Fastforward, Now I am 39Y/M, 3 young kids and housewife. Always had 2 jobs or more ever since I started working after college. My parents and I always lived below the means and I started investing in real estate to help prepare for their retirement. And here is the stat. 4 properties and 7 doors: generating cash flow of $1500/months after covering all mortgages including primary residence. Equities: 1.2 millions 403b: 220k Roth: 22k Cash: 80k Taxbale Brokerage: $976k (generating $5,300 / month dividends) 2 cars: 40k Still working 2 jobs and save/invest $10,000/month after all expenses. I am slowly letting myself to put some pressure off the gas pedal to slow down and learn to enjoy the life with my family. Ever since I got to this country, its alsways been survival mode, I was so focused on savings because I lived through poverty and know what its like to be rock bottom. Now that I know my parents retirement plan is taken care, I also realize "time" is one of the most valuable things especially if you have young children. All I am saying is... you can't have it all. If you want to get something, then you have to give up something. To me, that was my time theough out 20s and 30s. But I know I can slow down a little and look forward to my 45th birthday to see if I can give myself that "financial indepndence" as a present. submitted by /u/Melodic-Indication62 [link] [comments]

  • Is Continuing a Roth Conversion Ladder After Retirement a Good Strategy?
    by /u/ChessCommander (Financial Independence / Retire Early) on June 9, 2024 at 1:41 pm

    Thinking a lot about retirement lately, even though I’m still over a decade away. I've come across the concept of a Roth conversion ladder as a method to access retirement funds early. However, the articles I’ve read suggest stopping this process after reaching an age where withdrawals won't be penalized. This got me wondering: why stop? It seems like a good strategy might be to continue converting traditional 401(k)/IRA dollars up to your target tax bracket each year and then withdraw the needed cash from the Roth account. Does this sound like a viable plan? Would appreciate your thoughts! Edited to be more clear. submitted by /u/ChessCommander [link] [comments]

  • $500k milestone hit, as a nurse
    by /u/yukinara (Financial Independence / Retire Early) on June 9, 2024 at 12:48 am

    -A little bit about myself. I'm male in mid 30s, working as an RN in VHCOL area. Personal finance break downs Taxable brokerage: $401k IRA: $33k Roth IRA: $11k HSA: $12k 403b: $32k Cash: $6k Personal vehicle: Honda Accord Sport hybrid KBB value at $27k. -I started my nursing career 10 years ago. Starting salary was about $50k back then. I graduated with zero dollar in my bank account. Luckily I went to a cheap community college and didn't incur any student loan. I believed that was the single most profitable investment in my life. -Fast forward today, I'm making about $200k/year base salary. That number might go up with OT/shift differential/bonus/on call. Last year my tax return showed $187k. This year I expected to hit about $220k with current trajectory. I love my job despite that it could be physically and mentally challenging some times. Living big isn't my lifestyle. I'm a huge believer of living below my means to achieve financial freedom later because I don't know whether my body can tolerate another 30 years of this job. -Most of my investments are in SP500 like VOO/FXAIX. I think the most profitable stock I purchased was NVDA back when I got my first job. That small investment has ballooned to a sizable portion in my total portfolio. Nowadays I do try to save at least 50% of my paycheck and put them all in SP500 and max out 403b. My job does provide me with a pension. -I would say my numbers are somewhat atypical for nurses. Most of my peers make about $75k a year, some break over $100k. I live in an area that pays very well for nurses. It's normal for RNs to make the same amount around here. submitted by /u/yukinara [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 redditfisurvey@gmail.com or send this account a private message (not a chat) with any inquiries. submitted by /u/Melonbalon [link] [comments]


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