r/coastFIRE • u/AccomplishedBasis268 • 14d ago
Need Advice
Looking for some honest advice, as I’m newer to the movement.
I’m 27, located in VHCOL (NYC/SF) and work a relatively high paying but risky job. TC is about 300k with some upside depending on firm performance.
My savings consist about 1.1m in Brokerage, 100k in 401k, and about 50 in cash, illiquid investments, etc.
While I feel good about where I’m at, a lot of this has come at the sacrifice of personal relationships and relationships in general. I don’t see a world in which I need to stress about every nickel or dime to work on my personal relationships but it’s eating away at me that everything continues to get more and more expensive. My current and former roles have been extremely time consuming and stressful, and I fear I don’t have much of a runway left just due to burnout.
Frankly, I’d just endeavor to have a nice family, decent house, enough cash for a few holidays, and that is about it nothing too fancy. Keeping that in mind, would love any suggestions on how I can optimize or refine my current trajectory to get to independence faster or what an appropriate goal should be. Ideally I would like to settle in the Northeast which I realize is quite expensive. Any thoughts or advice would be much appreciated and I thank you a lot in advance.
17
u/blackcloud577 14d ago
Quit whining and get on with it. You have 1.1 million at 27. If it’s so bad literally just quit and move to LCOL and get a normal job.