I Hit My FIRE Number at 37, But I’m Not Retiring Yet. Here’s What I’m Doing Instead

“Even if you feel like a complete money mess today, financial independence can still be possible for you,” says Bernadette Joy (pictured above).

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We did it!

After five years of painstakingly managing our budget, growing our income, and paying down $300,000 of debt, my husband and I reached a goal I thought would take us at least another decade.

We hit our FIRE number.

This means we have enough money in investments to become work-optional, according to the calculation traditionally used by the FIRE (Financial Independence,

Relax Early) movement. For us, our FIRE number equates to $900,000, which will generate enough income to cover basic living expenses of about $3,000 per month.