The HSA receipt thing is one thing I don't do that I'm just never going to.
Keeping receipts for a long period of time and then going back in and actually having the discipline to enter them just has too high of a risk of me just never doing it.  Previous Message They match up to 4 or 5% of my income plus the 5% profit share. That's a lot of #freemoney. And I've had HSAs for the last 10-15 years too. So I've built up pretty good reserves there too. AND I save my medical receipts for future withdrawals from the HSA, which is a bit of a PITA but doable with smartphones and programs like Evernote. Previous Message there. As of February I’m finally back with an employer that does match. #freemoney is good Previous Message I was probably 29. Previous Message 55 is way off the table for me. 60 *maybe*, but I’m probably on the 65 trajectory. Previous Message
there are others where i feel like i'm incredibly far away from being to a point where i'd be comfortable to retire at 55.
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Message Thread | This response ↓
 It is not healthy how much I’m thinking about retirement - DT June 23, 2026, 7:49:55
- LAM having a 1) self employed 401k limit and 2) available 401k Roth is - gvibes June 24, 2026, 21:00:36
- Trying to move up the date by selling LBK on all the things I'll do as her personal valet... - KingTalkyTiki June 24, 2026, 14:08:13
- I've never been eligible for Roth IRAs (LAM!) and can't do mega backdoor Roths. Anybody look into - ATL June 24, 2026, 7:31:06
- I’m on the 65-67 trajectory. 3 kids going to college soon is expensive. We also made a conscious - voiceofreason June 24, 2026, 7:27:20
- I’m with you VoR, though hopefully on closer to the 62-65 timeline than the 65-67 one. - DocWalk20 June 24, 2026, 13:54:23
- Yeah—it’s all a balance, and the goal is to have the happiest and most fulfilling life - DT June 24, 2026, 8:06:38
- As Ive said previously, my kids’ college set me back $500,000* - Stu June 24, 2026, 8:02:07
- Same. I can retire at 55 so I have 3 years. I will have to do something part time - Tbag June 23, 2026, 14:00:19
- same. i play out several scenarios far too frequently vs what is realistic with the ages of my kids - lcubed June 23, 2026, 11:59:19
- I am mostly just fixated on the fact that like half my net worth is in real estate. - gvibes June 23, 2026, 11:49:29
- Thinking about it stresses me out way too much. - OB25 June 23, 2026, 11:44:31
- I just put in my 4 year retirement notice to my school, so my clock is ticking. Met w/my financial - OWWDig June 23, 2026, 11:43:18
- I've just been thinking about where to live once we retire - ISeeDeadHawkeyes June 23, 2026, 11:21:04
- There are days where I feel like i'm way ahead of target and peers by age 40 - John Coctostan June 23, 2026, 10:40:58
- It’s very healthy how much we’re enjoying retirement* - TarheelIllini June 23, 2026, 10:17:29
- Been reading up on Bogleheads and FIRE (and derivatives) - Dilbert June 23, 2026, 10:16:15
- I love what I do, so I'd probably be doing it in retirement without pay -- so why retire?* - Quiz June 23, 2026, 10:09:29
- Some random stuff I learned that may help people here - Carl Spackler June 23, 2026, 9:47:06
- Late night, come home, work sucks, I know* - Sounder June 23, 2026, 9:41:52
- I think about it all day every day* - Stu June 23, 2026, 8:57:43
- ADIDAR* - Sammich June 23, 2026, 9:25:17
- I'm trying to not allow myself to do that. - EffinIllini June 23, 2026, 8:33:13
- I put everything into SPCX, so I'm sure i'll be able to retire soon. I haven't checked it lately, - doubledown June 23, 2026, 8:32:13
- 30 minutes doing that is much healthier than 30 minutes of doomscrolling. * - ghost_of_clt June 23, 2026, 8:32:09
- It is not healthy how much I’m thinking about a life of crime. - Sammich June 23, 2026, 8:16:35
- I feel you. I have about the same amount of time left and think about it every day. - PapaDels June 23, 2026, 8:14:57
- same, but I've got 20+ years to go - IlliniSax05 June 23, 2026, 8:07:07
- I'm in the same boat but a few years further off. - Carl Spackler June 23, 2026, 7:52:55
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on June 23, 2026, 14:07:21, in reply to "Both my current and previous employer have pretty generous matches plus a profit share kicker."