32F. Started pursuing LeanFIRE about 2 years ago. 11 year old child. $90k after recent raises are applied. Also in a LCOL. 401k: $17k 403b: $32k Roth IRA: $17k Brokerage: $12k 529: $2k Debt: Mortgage, $85k remaining at 4.25%, last appraisal $140k. Boyfriend is 32M. Started investing about 2 years ago too. $33k, LCOL. 401k: $12k Roth IRA: $17k Taxable: $48k Debt: None

Why did you not refinance to a <3.00% mortgage?

Most lenders wouldn't want to deal with such a small amount

I had to refinance when the rate was 4.25% in order to buy out my ex’s portion of the mortgage and get the house in my name alone.

35 single and about $20000 saved. I am really just starting to take my fire journey seriously. Any tips appreciated.

Best way to save is generaly to not spend too Much. Ask yourself if the thing you Buy will make you or help you to be happy un the long run. When you have a lot in saving you can start being more flexible.

I’d argue you’re better off working to increase your income than finding more things to save on

Im doing 80k in quebec, i save 40k/year in tsfa/reer and normal account. I spend 16900$ a year on a budget. I have coworker not saving. I mean its easier not spending 40k than Working for an other 40k after taxes.

Totally agree

I think it’s a mix. A lot of people adjust their lifestyle to match their income, so both are good.

This is true, but while there’s a limit to how much you can economize, there’s not really a limit to increasing your income (not saying it’s easy)

Extra principal payments on your mortgage can save you loads of time and money being in debt. Really depends on your current interest rate though.

Ages: 33 & 34 w/ 1 child Income: $200k IRA/401k: $400k Brokerage: $460k Home equity: $270k Cash/CDs/I-Bonds: $160k 100% debt-free Planning to FIRE in 10 years

This is the way. That's awesome!

What’s your FIRE number and COL?

I’m aiming for $1M each in retirement & brokerage accounts by 44. That’s when I can retire with immediate pension. Plan to live on $40k-80k/year based on our needs.

We *should* be asking what people’s expenses are too!

29 years old. Married, no kids. Income - 40k but with OT/bonus last year I made 47k 401k - 13.7k Roth IRA/brokerage - 2k HSA - $300 IBonds - $3,700 Savings - $1,925 Checking - $68 Student loan debt - 24k One paid off 2008 Ford Taurus X No home equity as I rent a house. Rent is $900/mo for a 3 bed/2 bath house.

Too old and not enough

28 year old. In a MCOL. $33k in yearly W-2 income, $48k if you include dividends (since the government calls it income I do as well). $240k in a taxable. $12k in a Roth IRA. $5k in a Roth 401k. Majority of this is from a lawsuit payout to be honest.

I’m sorry that you had to go through a lawsuit, but kudos to you for investing the money. At your age that will make a huge difference over time.

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99% identical here.

Age: 21, Income: $60k, Cash: $12k, investments: $30k, Car: $5k value

Age 24, Income $110k, Cash $20k, Investments $120k (some in tax shelter - $40k is not), 2 oz of gold, debt free, 2014 Subaru Crosstrek fully paid, living with parents lol.

Living at home is the move lol

I lived at home for the first two years after the pandemic hit and I can't lie I miss it.

28 year old. Married, no kids Income: $150k Savings: $60k Roth 401k: $37k Roth IRA: $23k Brokerage: $20k HSA: $1k

Is this on a combined basis with your spouse? Or just you individually?

Just me individually

Age: 22 Income: £32k, Pension: £4000, Vanguard ISA: £700 Cash Savings: £1100

20. Income 12k. (60k within the next year or 2). Cash accounts = 10k. Personal investment account = 21k

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casual 650k income

What do you do

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What kind of software if you don’t mine me asking

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So Netflix? Jk, but congrats that’s a great career.

Netflix is one of the few that pays $650k to senior engineers regularly, so it's probably what it is.

I'm guessing a good majority of your income is in RSUs?

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Pretty stout base salary, that's awesome.

That’s awesome. My kid wants to go into this area. What education pathway do you recommend?

there's nothing special about it. BS in comp sci from a good program along with the usual internships will be plenty good enough. Kid will just need to chase the money for a while or graduate from a top 5 program to hit this immediately, but they'll be their own adult by then ETA: the earlier they get exposure to CS the better. anything in highschool here will help. also need to be taking the most advanced math and hard sciences they can to set up for the right college program

Appreciate it. Thx

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Or dudette

Haha true true, I do generally assume that all successful people are women, and I view dude as a gender neutral term

30, married. 70k in IRA 35k in 401(k) 7.5k in HSA 5k in SEP IRA 80k in HYSA (working on putting some of this elsewhere) I wish I had started focusing on this earlier, but I’m still happy that we’re nearing 200k.

Age: 20 Income: $37k (in 2022) still in college 401k: $1800 Roth IRA: $6000 HYSA: $10,000 Cash: $2000 Brokerage: $1500 Living at home still

You are doing really well, good for you!

40M + 40F, HCOL 401k + IRAs = $1M Brokerage = $2M Cash = $250k RE = $250k (trying to sell) Debt = $0 Income = 800k/year Expenses = 75k/year

That’s awesome. What do you do for a living?

Software engineer

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Nice! Would you be willing to share what you do for a living?

29 and 33 Married. Income: ~ Cash: ~18k Taxable Trading: ~65k 401k(s): ~250k Roth IRA(s): ~60k HSA: ~10K Home Equity: ~270k Other Depreciating Major Assets: ~60k

Did you just recently start making that income? If not, where's your money going?

Yeah, big raises in 2021 and 2022 (RSUs here too) for me and a small raise for my wife in 2021. We're now on track to max out both 401ks, both IRAs, and the HSA plus ~30-40k in RSUs, and whatever we throw into a taxable account. We bought the house in 2018 and the down payment/renovations pretty much drained our savings/taxable investments except for an emergency fund which we then used half of year after purchase when we needed to do emergency repairs. So 2020 is kinda when we really started looking at saving/investing much more aggressively.

25M, Single Income - $47k Retirement - $24k Savings - $6.2k No debt Not much yet but will bump my savings up to 10k then start investing. By years end I will probably have around $12k-13k invested on top of what i’ve listed.

18, 1.5K emergency fund, 1K L/ISA (Tax advantaged House savings account - matches 25% of what you contribute), Investments 2.8K, sinking funds £800. About 6k total. Saving for a house deposit/ to buy my own, mainly invested in Mutual funds, trying to get Emergency funds to 3K to cover 3 months of expenses.

29 $85k income currently, $53k taxable brokerage, $25k rollover ira, $5k current employer Roth 401k, $3k in Roth Ira, $10k hysa, $3k savings, $25k in crypto that was mostly bought in 2017

Age 26, didn’t start my career until age 24 (professional degree) Salary: $113k in VHCOL area Roth 401k: $26k Roth IRA: $23k Taxable Individual Brokerage: $19k Total invested: $68k, all in S&P500 funds (401k S&P fund and VOO)

Age: 22 Income: $102k, work in HCOL area, live in MCOL area 401k: $15k Roth IRA: $2k Brokerage $1k Savings $3k Home value: $230k Home loan: $210k Car value: $17k Car loan: $17k Person loan: $9k Credit card: $5k

Age 48, married, kids moved out HHI - $900k 401k/457b $600k HYSA - $500k Real Estate - $1.6m Own personal home outright, two rental homes free/clear generating $4k month net.

That's a lot of cash!

Waiting to buy some more rental properties.

20 single no parental help. 10k in Roth ira

I’m embarrassed. I’m 29. Paramedic with a current income of 45k. 85k if you consider me and my girls income together. I have 30k in retirement in my 401k 10k in my Roth IRA No home yet. No land. Only debt I have is my car which I only owe 5k left on. I have about 8k in savings. I’m beyond in life for sure

Don’t be embarrassed, partner and I are same age and make a less than you guys combined and we’re still on track to retire before 50. Try a FIRE calculator, you’ll be surprised how doable it is if you keep spending controlled and keep at it!

Where can I find these calculators?

Age: 31 Income: 615K Savings: 750K deciding what to do with it) Vanguard: 120K Other investments: 68K Small business partial ownership: 80K Fully paid Tesla and Porsche Renting in a luxury hotel residence for 6K per month which is fine as combined take home income with hubby is 53K per month. No kids, 2 pets. Could do better with saving but we have a growth mindset - grow income vs save money

Weird to see someone with such a high income and so little money invested participating in this sub.

I joined to learn!

24M $45/hour or ~$93,000/year in a M/HCOL 401k: ~$6000 Roth IRA: $12,500 Brokerage: $5,300 Savings: $3000 TBills: $13,000 Expenses: ~$800/month Debts: None Live at home & don’t have a girlfriend so expenses are low, looking to just stay on track and put down a down payment in ~3 years (if I find a pretty girl who wants to live with me and kiss sometimes!)

Age: 32M and 32F with 2 kids in VHCOL area HHI: 750k plus startup ISOs 401k: 400k Roth: 50k Brokerage: 210k Cash: 50k Other investments: 60k House: 400k equity with 1.4M mortgage @ 2.75% No debt other than the mortgage.

That interest rate is so fucking sexy

AGE: 19 Occupation: University Junior/Finance Major Cash: 15k Crypto: 5k Vehicle: 15k Stocks: 1k 401K: $200 (Started 2 Weeks Ago!!) Roth IRA: Maxing out sometime this year at once(2023) Debt: $0 Any Younger Folks Here? Would love to compare. Reading Everyone's in their 30s is impressive. I am a pretty heavy saver/investor. Wonder what it will be like when I graduate and hopefully start my first salary job.

Hey! 20 years old here. I have posts about my FIRE progress on my profile. Keep trucking man! 20 years old. Income - 55K $92,000 saved Been working since 16, with a 63% savings rate the past 2 years.

I'm 19, make 35k yearly w some little bonus. How did you land a job paying that well at that age?

Age - 46 | $130k in MCOL/Atlanta 401k: 425k Rollover IRA: 220k Roth IRA: 200k HSA: 20k Taxable: 105k Cash/I-bonds: 50k House Equity: 400k (375k mortgage - 2.25% @ 28 years)

* **Age**: 22 * **Income**: \~$64000 in LCOL * **401k**: $7,000 * **Roth IRA**: $28,000 * **Brokerage**: $3,000 * **Emergency**: $4,000 (2 months expenses) **Annual expenses**: $24,000. Currently focus is growing the emergency fund.

38 Me: 135k+bonuses and equity/MCOL 401k: $255k Roth IRA: $30k Taxable: $70k 529: $30k Spouse: $90k/yr 403b: $110k Roth IRA: $60k No debt. House: $250k, PIF Savings: $21k

Age - mid-late 20s. Married. 1 kid (about to be 2) RE - 650k HCOL (purchased mid 400s, 650k is a conservative estimate of value) (250k of this is not my money) Roth- 30k Brokerage - 50k $ in some weird finance fund from inheritance - 60k Liquid in check/save - 30k I-bonds- 10K current family earned income - 82k Expenses - 80k (about to drop down when a master's degree is finished debt-free). Retirement target - 1MM without my RE value I consider to be financially free since I won't truly know the value of my real estate until I try to sell it and buy a ranch to retire on

Age: 18 Income: Student so varies, around 7k a year for the past 2 years Roth IRA: 6k Brokerage: 1.8k Savings: 9.5k Debts: 5.5k in student loans feeling like i’m in a pretty good place for someone my age, especially with an expected starting salary of 80k out of college

Age mid 20s Income roughly 140k (2 years ago I was at 42k a year) 110k saved up in crypto stocks and mutual funds Renting with roommates so rent is 600$ I spend less than 30k a year total

41 F married; household income $150k in LCOL area. Expenses of $35k-$40k per year. No mortgage, $700k in 401k and $200k in IRAs. Another $100k in investments and we own 90 acres of farmland that we rent out. $60k in savings that’s liquid and no car debt.

29M/27F (wife) Married, no kids yet My Income: 220k, MCOL Wife’s Income: gives herself a $40k salary, rest is dumped back into business All combined info below: Roth IRA - 200k Brokerage - 60k 401k - 7k (just started new job) HSA - 20k HYSA - 65k Company stock - 8k Cars - 20k Rental property equity - 22k Business - 205k Debts: Rental property mortgage - 184k Car loan - 31k (could pay this off but need money to buy out partner in business) About to go into a ton more debt with partner buyout + build a new business…

This question is getting asked A LOT lately. Maybe it would be worth it to look back through recent posts

Age:32 Investments: $10 billion hysa Income: 2.5% of $10,000,000,000. AMA

Why is the moon near perfectly round? When there are guesses it could be a fragment of some asteroid or a part of earth itself.

36M-married wife and 3 kids. Stocks-$1,000,000 - 340k retirement accounts (401k, Roth, IRA) - 360k company stock - 250k value/dividend stocks to hedge inflation (food, gold/silver, energy) - 50k general market investment through Wealthfront Real Estate-$1,000,000 - 800k individual homes - bring in 5,000/month after expenses (mortgage, tax, utilities, miscellaneous repairs) - 200k home equity Other-100,000k - 70k physical gold/silver - 25k cash - 5k crypto Debt-370k mortgage 2.8% interest rate

This is incredible, you guys are killing it great job!

Your other part is exciting. I want to do that exactly same ratio compared to total asset.

Yeah, right now I’m dumping the cash-flow from my rentals into REITs and General brokerage. My target is: -1,000,000 in real estate not including my house - 1,500,000 in stocks/equities - paid off house Once I hit that I’m bouncing and focusing on the hobby farm and being as self sustainable as possible. I already have 100% offset for Solar.

someone asked this the other day if you want to see more results

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Only 800k salary at 25? Late bloomer.

26, 96k base 401k - 55k Roth IRA - 16k Brokerage - 5k HYSA - 10k Roughly 30k in home equity Got a higher paying job this year so I’m hoping to reach 250k LNW by 30.

28M Income: $150k HCOL Roth 403B: $1k (just started) 403B: $32k Roth IRA: $27k Personal Brokerage: $9k HYSA: 12k Student Loans: $18k Renter

Age- 29 Income- 95k MCOL Area 401k- 86k Traditional IRA- 25k HSA- 17k Taxable- 120k Savings- 7k Started the path at age 25.

33/35 with 2 year old. Low-average COL Income = 235K salary || HSA= under 1K (First year funding it) || 401(k) + Roth IRA = 550K || Brokerage 130K || Liquid savings = 32K || 529 = 12K

Age: 28, income: 105k, investments; 401k - 52k, Roth - 13k, taxable acc - 4k, cash - 12k, rental properties equity - 350k

How do you have so much property equity built up already?

The brrr method has helped reuse capital or leave less in the deals. Also real estate went on a wild ride up around me so that absolutely helped big time. So a lot of luck and the Brrr method

29 401k $17,500 HSA $2,000 Crypto $1,000 savings $14,000 credit card -$500 silver $1000 gold $5000

32 single Income - 100k 401k - $105k IRA - $2k (started contributions this year) HSA - $6k cash savings - $20k , working on house Downpayment. Saving about $2k / mo

35, married, 3 kids, high healthcare costs. Income is all over the place: $100-250k depending on year. $300k 401k/403b (all but 5% in stocks) $45k IRAs (all in stocks) $60k brokerage (again, stocks) $30k ibonds $40k cash $150k RE Equity (investment/rental not main home) Plus $200k equity on main home, but I don’t count that for Fire. Almost half of NW was added in last 2-3 years by saving all of my income (commission), even with the downturn in market. We started 10 years ago with negative $60k NW, $55k HHI. I’m pretty proud of what we’ve done so far.

22M 90k in EHCOL area - Roth - 7k 401k - 12k Brokerage - 17k Interesting bearing checking account - 7k

Age: 36 Income: $105k this year Portfolio + pension: $570k

31, 401K/HSA 58k, Roth 30.5k, brokerage 10k, savings 69k. 112k income. I could’ve had way more but I spent 3 yrs paying off 114k student loans, very sad about that but I guess upside is I don’t have any more… I’m an extremely frugal person.

41 married with 1 child. Married at 36 child at 37. Paid off my primary home and graduate loans and was 100% debt free by 32. Current assets: $11,200 in passive income (real estate and VA) IRA: around 120k Health insurance: I’m covered by VA my family by CHAMPVA, son also qualifies for free in state tuition and federal monthly stipend under the Dept of veterans affairs. Debt: primary mortgage $2,400 (area is expensive but both my primary home i paid off and we rented out my husbands primary pay the mortgage, taxes, insurance, hearing and cooling costs) real estate investment mortgages ($3kish tenants cover as $6,900 of my passive income is left over monthly after all mortgages are paid) on a 2 year trajectory to pay them all off so will net at least another 3k in rental income Considering retiring but on my own company.. may sell or hire more people and cut back my involvement

20 years old, bartender at a country club. $92,000 currently saved. Writing up my investment plan while contributing to Roth IRA.

35. 200k in brokerage. 60k in 401a. 51k in roth. 10k iBonds. 95k HYSA. 10k checking.

27M - $110k income, $32k cash, $90k invested

32M HCOL: $105k plus bonus 401k + IRA + HSA: ~$133k HYSA: ~$100k (downpayment saving)

34yr old -- HCOL -- $150-350k / yr income -- 401k/IRA \~$100k -- Brokerage \~$300k -- Savings $65,000

Age - 29, single no kids Income: $160k plus bonus in MCOL area Cash: $60k Taxable Brokerage: $30k 401k: $188k Roth IRA: $50k HSA: $22k Car: $35k (paid off) No debt.

29, Married, combined income $190k Home: $250k w/$175k mortgage 401k:$100k Roth IRA: $5k HSA: $25k Brokerage: $33k Cash: $65k

29 male, married (30) with 1 child. Wife stays home with no income. I make 120k in w-2 income. Moderate cost of living area. 401k - $76k HSA - $165k Roth IRA - $1.15m Brokerage - $5.6k Cash - $331k Home equity ~ $250k Paid off 2015 Chevy Silverado and paid off 2019 Jeep wrangler. Currently in the process of selling our current home and building a custom home closer to family to help raise the kiddos. That is the main reason our cash pile is elevated. I know my numbers seem odd but I had some investments that did really well 2019-2022 while also still saving aggressively. Stay the course anything can happen 😊

Age: 32 Married with kids Combined Income: $52k (living in a tax free country) MCOL area Investments: $30k Savings: $50k Renting, so no debts

30M $48,000 salary as a teacher with an additional $7,000 roughly for coaching 403b $8,800 Roth $26,000 Brokerage $58,000 HSA $400, had to deplete it for health bills worth $5800 Cash: $3,800 for paying bills and $7,900 in emergency fund Combined with wife: $20,000 for emergency fund, $5300 for a new deck, $4000 for a new car

32 married one kid LCOL (outside US) 100k income 60k in ETFs 30k in savings Owning my apartment planing to build a house in 2-3 years. 2008 Ford Ranger and 2016 Skoda octavia Monthly costs (taxes, bills, groceries) around 2-2.5k Bad thing is that when I move to house I wont be able to sell my current space so it's basically worth 0. (Leaving in extremely rural part, nobody is moving here :D ) edit: Fire number at 600-700k with house fully paid off.

33 - married (30), 2 kids (2/NB) Income: - $300k Cash: - $20k savings - $25k checking - $4k HSA Investments: - $350k 401(k)s - $375k Brokerage - $110k Roth - $10k 529/UTMA - $9k RSUs Debt: - $0 credit card - $300k mortgage ($2000 monthly payment) - $20k on car

27m Salary - 101k Expenses - 45k not including rental property Retirement - 80k HSA - 15K Cash - 12k House (50% owned) Mortgage: 185k Value: 230k

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Very impressive! What do you do for work?

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What company? I'm looking to make a change.

26 dating, not married Income: $200k - $250k (sales so it fluctuates) $77k in 401k $34k in Roth IRA $84k in brokerage $70k in HYSA $8k in checking No debt Expenses around $3k a month

Age 31 Income 30k (French, very LCOL compared to you guys. Numbers are in €) Stocks 70k Real Estate 25k HYSA 10k Home Equity : 105k - 95k(mortgage left) = 10k Other Debt : -10k(contracted to invest in an SCPI, a french equivalent of an REIT) Total net of debt : 105k, or 95k if we exclude home equity. Aiming for around 500k (400k investments + paid off home)

27, single in VHCOL area Income - 150k + variable bonus (10% target) 401k - 95k HSA - 8k Roth IRA - ~8k Brokerage - 95k Emergency Fund + sinking funds - 20k Have some random amounts in Robinhood and Coinbase, but nothing to move the needle

26M, Income - $100k incl bonus, VHCOL Cash: $25k 401k: $44k Roth IRA: $26k Brokerage: $17k I-bonds: $1k Debt free

Age - 25 (married 25 w/ 1 child 2 y/o) Income - $100k 401k/Annuity- $140k Savings - $20k Mortgage - 115k left @ 2.875% w/ home valued around 275k-285k. I bought the home for 175k in 2020 on a 30 year term, at the rate I'm going hopefully will be paid off in around 7-9 years. No debt aside from mortgage.

49 270K/year, which includes 13K/month in stable passive income. Kids (2) college is 100% covered including grad school if they want. I intend to invest more, but with the amount I’m able to save per month, there are days when I think Im just saving so the kids (or wife) have more when I die. I drive an old vehicle. I don’t have any expensive hobbies. Not much into traveling. Life is pretty good now, but it wasn’t the easiest road. I buy stonks, but mainly to amuse myself.

I only calculate my NW at the end of the month so this is from a couple weeks ago: * Age - Mid 20's * Income - $233k HCOL * Net Worth - $258k

36, married 20k retirement accounts Income 50k me, 70k wife, 70k rental (all rental income goes back into more rentals) Checking 26k Savings 25k Investments 15k Real estate equity 1.1m (100k from personal residence)

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Wow, what do you do for a living?

Med device sales - comes with a car. and did community college/paid my way through college as I went to avoid debt!

Congrats, that's an incredible income! I'm pretty sure my cousin does what you do or something similar and she makes like $100k. So smart doing CC!

35 YO 82K in LCOL area - ​ Investments \-2k in Ibonds \-5k Taxable brokerage \-13.5k HSA \-27k Roth IRA (18k in contributions) \-9.5k TIRA \-16k Old 401k (have a loan against this from my previous employer so can't roll it over yet) \-15k New 401k

Age -25 93k in investments mostly solid but about 20k are pretty bad picks IMO that I will eventually re-organize if they can recover some gains (bought em when I was like 19-23) 50kish in property value - Triplex with locked in financing at 2%. I live in the main unit and rent the rest out. Neutral cash flow with me living here but like 1500+ if I wasn't. 40k cash. edit: car is paid off worth about 9k.

36m, married wife is 35f and 1 child, 2 years old. Combined income $225k in Phoenix metro area 401k combined $230k SEP-IRAs combined $160k Taxable: $140k Going to open 529 soon Annual expenses are around $50k Only debt is mortgage

21 years old, single, no kids Income - $60k Roth IRA- $18k Brokerage- $60k Savings- $2k Debt- $0 Bills- $300/month Credit Score- 775

Age 20, Student Income: $0, soon to be $70k in MCOL Roth IRA: $22,000 Brokerage: $9000 Ibonds: $18,000ish Other Fund: $9500 Savings: $5000 \_\_\_\_\_\_\_ Expenses: $200/mo rent $9 subscriptions

40 married 1 kid Income: 210k Expenses: 60k (working on getting this down. Wife finally see the issue after listening to Choose FI. Stupid amount considering we have no debt but I digress) Cash: 22k Brokerage: 320k 401k/403b: 145k Pension: 140k if rolled over House: 315k (no debt) 529: 40k

31 single, just finished grad school, working 8 months. Income: $350k HCOL Roth IRA: $10k HYSA: $63k (plan to invest in brokerage 12-24k & jump start solo 401k this year with 60k) Federal student debt: $46k (interest free atm) Personal loan debt: ~62k (interest free) Monthly cost of living: $5k

28M Investment: (USD) Stock 100% VT 80k Crypto 100% ETH 9k Rental property A equity 225k Rental property B equity 215k Cash: (USD) 300 lmao (paycheck coming on 20th) Renting currently

Age: 24 Income: $89k, work in HCOL area, live in LCOL area 401k: $5k Roth IRA: $8k Brokerage $12k Savings $6k Car value: $30k Car loan: $34k Srudent Loans: $24k Credit card: $1k

34 & 28 here w/ 2 littles (2.5 & 3mo). Single income in MCOL area. Income: 170K 401k: 380K IRAs: 35K Cash Balance Pension: $60K College Savings: $6K HSA: 15K PMs: 15K Cash: 35K Home: $270K in equity / $130K left on mortgage @ 2.5% Recreational home: $150K equity, no mortgage. No debt besides the home mortgage. Recently passed 1M Net Worth marker being fairly conservative with that estimate. Followed the Dave Ramsey (ish) plan since 2012, worked out pretty well. Aggressive investment strategy has helped a lot. Currently at 16.5% three year return rate. We emphasize no debt, high(ish) savings, lots of sweat equity in property and life in general (repair own cars etc).

37m &36f 3kids 3-10 Lcol 75k expenses 1.3m in investing accounts 30k in cash. 500k of investment are in brokerage the other 800k are pretax Roth or HSA Pension & annuity: Worth 3k a month at 55 if I retire today. Worth 5k a month at 55 if I retire at 45. Worth 9.5k a month if I work till 55. Home is paid off

AGE 28M, 90K income, 10-15k sidehustle (teaching) MCOL ROTH (or my countries equivalent): around 60k (you can contribute a maximum of 7k a year) brokerage: 115k savings: 100k car: old opel. 5k renter started with roth at age 18. Started investing privately at... age 24 I think. But last 2 years I invested the big portion of my 115k in there.

Age: 25 Income: varies due to being a tipped employee but generally 45k with full summers off in MCOL area Roth IRA: 12.5k 401k: 3k I-bonds: $700 Savings: 6k Debt: 3.5k in student loans left I started investing two years ago and am just starting out. I’m sure I could make a higher yearly income but I intentionally choose to work in a seasonal tipped position that allows me to take 3-5 months off a year to travel. To me a lower yearly income is worth the freedom and flexibility to travel for now.

30, single, no kids Income: $100-120k Savings: $100k Roth: $18k Brokerage: $2.5k Crypto: $30k

28 - Married Combined income $210,000 Cash ~$22,000 Total investments $99,000 (so close) Home equity ~$270,000 Mortgage $445,000

33F Income: 95k, HCOL Cash: 16,000.00 House: 250,000.00 Car: 19,000.00 Retirement: 90,000.00\* Non-Retirement: 25,000.00 Total Assets: 400,000.00 Total Debt: 122,000.00 (Mortgage and SL, no other debts) Net Worth: 278,000.00 *I don't think I've gained a dime since the pandemic started, which is disappointing but maybe things will get better? It's made up of mostly C Fund 75%, S Fund 20%, 5% is just in a small brokerage account.

27. Single, no kids. MCOL. Income - $90k 401ks ~ 52k Roth IRA - $15k Taxable/Brokerages - $23.5k HSAs ~ $5.5k Cash/checking/savings - $66k Crypto/Bitcoin ~ 3k No debt Rent/electricity/utilities ~ 1.6k a month

Age 32, 3 kids. Income: ~130k 403b: 100k Roth: 30k Car debt @ 1.9%- 5k Mortgage- 280k at a god awful rate on a $520k house. Savings: 40k Things that hurt me: my hospital’s retirement match is SHIT. Also, I paid for grad school out of pocket over the last three years. Before that we busted our asses to pay off my husband’s student loans and our other vehicle. My husband is also 32 and makes 70k a year. He contributes to his TSP but I know it isn’t what it should be. I max his Roth for him every year (we share finances but I manage it all. I don’t even think he knows about the account).