$7,500,000 net worth (age 52)

$7,500,000 net worth (age 52)

“Turning”​ - A long-time corporate employee in their early 50s, married with one child, originally posted four years ago asking whether to “retire now or grind six more years” for a bigger pension and extra equity. Back then, the choice was $4M + $40K pension if they quit, versus an eventual $5M–$6M + $70K pension if they stuck it out. Two updates later, everything has shifted: markets rebounded hard, company stock options took off, the previously laid-off husband found a stable new job, and a new manager made day-to-day work less miserable even though the corporate environment is still draining. Now their net worth is about $7.5M (97th percentile) with a nearly paid-off mortgage, and the “six more years” has shrunk to just two: stay to age 55 for a $70K pension plus ~$300K more equity, or walk earlier and accept a ~$55K pension if laid off next year. The math says they’re already solidly fatFIRE, but emotionally they’re torn between maximizing a not-huge marginal gain, fear of losing job security, and the desire to leave on their own terms rather than being pushed.​
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TAKE-AWAY:
As wealth compounds, the stakes of “one more year” often become psychological, not financial. When an extra couple of years of misery buys only a modest bump to an already-safe plan, the real decision is whether pride, fear, and the wish to control your exit are worth sacrificing irreplaceable, healthy years of freedom.

 

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