2026-01-13 11:28:13

Got my economics degree from a top-tier university, been grinding through my career, and honestly? I'm sitting on $3 million in net worth at 71 years old. Still pulling in $250K annually from work. The question haunting me lately is pretty straightforward: is it finally time to hang it up and retire?

Part of me thinks I've done the math enough times. The numbers look reasonable on paper. But another part? Still feels restless. Maybe it's the work routine, or maybe I'm just not sure if stepping away is the right call at this point. Been seeing a lot of younger folks talking about financial independence these days, and it makes me wonder if I'm overthinking this whole thing.

Would love to hear how others approach this crossroads. What's the actual calculus people use when deciding if they've got enough?

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PretendingSerious

· 5h ago

Still struggling with 3 million dollars? It shows work has long ceased to be about money --- I get this mindset, the numbers are right but the heart isn't, it's uncomfortable --- If you’re still earning 250k at 71, it probably means you don’t really want to retire --- Just use the 4% rule, why are you still so conflicted --- Having an economics degree and asking this question is a bit interesting --- Instead of asking others, ask yourself what you truly want --- Lack of security, no matter how much money you have, is useless --- Young people talk about financial freedom, and you’re still struggling with this, that’s backwards --- 3 million is enough, the problem is you’re not ready to stop yet --- The 4% withdrawal rule, the 25x expense rule, are old clichés --- Money is enough, but the heart isn’t, that’s the real issue --- Have you ever thought that maybe you just haven’t played the work game enough --- Struggling with retirement timing in a high-income area, that’s really a bit... luxurious

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RebaseVictim

· 5h ago

Still struggling with $3 million? Bro, this isn't a math problem, it's a psychological one. --- Honestly, work addiction is more terrifying than having no money. Wake up. --- At 71 and still working 996? I think you’re just reluctant to give up that sense of achievement. --- Have you calculated the 4% rule? $3 million is enough to relax, why bother with all the fuss? --- Young people achieving financial freedom—are you learning from that too? Know when to step back, don’t wait until you can’t move and then regret it. --- The real issue isn’t whether you have enough money, it’s what you’ll do when you leave the office... that’s the real problem. --- Feeling anxious because you're afraid of having nothing to do, not because you lack money. Why not just give yourself a break and try it? --- Still doing the math with your economics degree? That’s a bit funny... Trust your own calculations.

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CryptoHistoryClass

· 5h ago

nah this is literally the 2008 pre-collapse playbook... guy's got $3M, doing fine on paper, but that *unease* tho? that's market psychology talking. seen this pattern before

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GateUser-00be86fc

· 5h ago

Still struggling with $3 million? Bro, are you showing off your wealth? Haha Work addiction is like that; no matter how good the numbers look, you can't quit Honestly, a $250k annual salary is enough to retire; the problem isn't money at all The 4% rule is easy to calculate; you're overthinking it, my friend

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NewPumpamentals

· 5h ago

Still struggling with 3 million USD? Bro, this is financial anxiety; no matter how much money you have, it can't be cured.

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LightningAllInHero

· 5h ago

$3 million still hesitating? Bro, are you showing off your wealth... --- Bro, this isn't a money shortage problem, it's a lack of purpose. --- At 71, earning 250,000 a year and still working, honestly, it's because you can't give up that sense of fulfillment. --- In our crypto circle, we do things differently—riches still go all-in, but you're rich and still want to keep working haha. --- Really, with $3 million in passive income, lying around and winning easily, why do you still need to work? --- The problem isn't math; it's that you simply can't part with that job itself. --- Still crunching numbers? You should have quit long ago—enjoy life, bro. --- This mindset is really unsustainable—money is enough, but you're still losing sleep over whether it's enough. --- You still need to ask about this with an economics degree? That shows your problem isn't really an economics issue. --- Tell me, besides work, what else do you do? That's probably what you're truly afraid of.

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