2015maybetheyear
Dryer sheet aficionado
- Joined
- Feb 4, 2015
- Messages
- 25
A quick introduction: I'm 42 with a DW of 36 and three kids under 4. We currently live in the high cost area of Southern CA and I've been fortunate enough through a combination of LBYM and good income to potentially be in position to FIRE.
I've been lurking on this board for a couple of years and have learned a lot from the collective wisdom of the group...thank you. It has helped me understand that ER is a possibility and what is required. Especially since I've had some minor health problems (none of which would be remotely life threatening but an early wake up call about the price the career grind is extracting and could continue to extract).
However, nothing is certain in life and I wanted to ask the community what kind of SWR they would feel comfortable with given how young my family is. In my reading I have seen many Southern CA posters, a number of people post in my age range and some people post with young children but not too many with the combination of all the above. It's very difficult to leave Southern CA as we've never lived anywhere else and most of our family is here or nearby.
I know a lot of posts seem to focus on the 3%-4% range which we fit into but I'm curious given my particular situation whether people might think going below 3% might be warranted.
I've been lurking on this board for a couple of years and have learned a lot from the collective wisdom of the group...thank you. It has helped me understand that ER is a possibility and what is required. Especially since I've had some minor health problems (none of which would be remotely life threatening but an early wake up call about the price the career grind is extracting and could continue to extract).
However, nothing is certain in life and I wanted to ask the community what kind of SWR they would feel comfortable with given how young my family is. In my reading I have seen many Southern CA posters, a number of people post in my age range and some people post with young children but not too many with the combination of all the above. It's very difficult to leave Southern CA as we've never lived anywhere else and most of our family is here or nearby.
I know a lot of posts seem to focus on the 3%-4% range which we fit into but I'm curious given my particular situation whether people might think going below 3% might be warranted.