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## Seeking Advice for Early Retirement in 1093 Days

I apologize if anyone feels I don’t belong in this sub, but I have yet to find similar “UpperMiddleClass” communities that utilize Sankey diagrams and have such intelligent individuals such as yourselves.

Our situation involves being a single-income household in a medium cost of living area in South Texas. We are currently in the planning stages for early retirement in 1093 days, following the rule of 55. At that time, our two children will still be living at home and will be 12 years old. We are diligently working on fine-tuning our budget in advance to ensure a smooth transition into retirement.

In the next 1093 days, our goal is to transition from relying on our current income to living off post-tax income. This will involve strategically selling stocks in the 0% long term capital gains bracket while keeping our taxable income at a minimum. Additionally, we are planning to move to a region in Texas with slightly lower property taxes within the next couple of years to reduce our overall property tax burden.

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4 Comments

  • schruteski30

    Nope.

    Check of the FIRE subs. Keep in mind that when you retire you donÔÇÖt have FICA taxes from 401k distributions so you will open up an additional $1275 in 1093 days.

    Congrats and I hope to be in your position (but without the two youngins ­ƒÿü)

    You could maybe cut down cell and internet. I pay $90 a month for my wife and I + internet using MVNOs and T-Mobile home internet.

  • shyladev

    That seems like a ton of groceries on top of 400 eating otu.

  • DrHydrate

    I particularly like r/HENRYfinance

    It’s perfect for folks like us. For those who don’t know the acronym, it’s High Earning Not Rich Yet.

    My husband and I will probably hit 300k this year in income. But we don’t have much in net worth since we weren’t earning anything like this before, mostly because he was unemployed.

    Anyway, try the HENRYs. Since you’re retiring in 3 years, maybe you are rich already ­ƒÿé but plenty of folks there are in a similar boat.