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$22,000,000 net worth (age 45)
Reflection - A 40-something former tech executive shares a one-year check-in after hitting fatFIRE with $18M last year with nearly all in index funds and a paid-off home. His net worth is 99th percentile based upon his age. The first year out brought a whirlwind of world travel, more family time, and real introspection: the absence of work stress was a relief, but unstructured days and a subtle loss of “achievement” identity lingered. Dividend income covered spending, but the biggest wins were regaining time and realizing that purposeful, structured pursuits are needed to replace the sense of challenge and growth once provided by work. Upcoming plans? Lean into global volunteering, hobbies, and a more intentional routine.
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“I can’t say I miss work itself, but I do miss the sense of building something, competing, stacking achievements… Turns out, you need to design your days after FIRE as deliberately as you designed your career.”
TAKE-AWAY:
FatFIRE delivers financial security and opens up the world but true contentment after the finish line demands new sources of identity, challenge, and meaning. Financial independence is about more than just escaping work; it’s about creating a purpose-filled life, every bit as intentional as the path that got you there.
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