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How do people leanFIRE anyway? It costs like 4 million dollars to live
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Date: August 9th, 2026 12:18 PM Author: spiritual aliens (Prestige Feuds) You have to have 4 million net worth to live as a subsistence farmer 20 years ago. Even if you have a fully paid off trailer how are you going to afford food and gas and shit? (http://www.autoadmit.com/thread.php?thread_id=5890950&forum_id=2.#50055068) |
Date: August 9th, 2026 12:19 PM Author: cucumbers Also do any of them have health insurance? Ljl (http://www.autoadmit.com/thread.php?thread_id=5890950&forum_id=2.#50055073) |
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Date: August 9th, 2026 12:20 PM Author: Consuela (http://www.autoadmit.com/thread.php?thread_id=5890950&forum_id=2.#50055075) |
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Date: August 9th, 2026 12:21 PM Author: (Semi-)retired (cyber)Bellevue therapy dog (LINK!) Okay, I lol’d (http://www.autoadmit.com/thread.php?thread_id=5890950&forum_id=2.#50055077) |
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Date: August 9th, 2026 12:22 PM Author: (Semi-)retired (cyber)Bellevue therapy dog (LINK!) If I were single and didn’t live in SoCal I’d feel rich (inexpensive hobbies like poasting and outdoor type stuff helps tbh) with my very conservatively invested $_._ish million - but Im gay and also like living near family so… “I really like it here!” 🐶 (http://www.autoadmit.com/thread.php?thread_id=5890950&forum_id=2.#50055081) |
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Date: August 9th, 2026 12:56 PM Author: Rickys' Cat expensive hobbies like poasting, you mean (http://www.autoadmit.com/thread.php?thread_id=5890950&forum_id=2.#50055182) |
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Date: August 9th, 2026 12:57 PM Author: spiritual aliens (Prestige Feuds) The true cost of poasting has cost me my entire life writ large if you really think about it (http://www.autoadmit.com/thread.php?thread_id=5890950&forum_id=2.#50055186) |
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Date: August 9th, 2026 12:58 PM Author: (Semi-)retired (cyber)Bellevue therapy dog (LINK!) 🤔🧐🤯 (http://www.autoadmit.com/thread.php?thread_id=5890950&forum_id=2.#50055189) |
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Date: August 9th, 2026 1:53 PM Author: redpilled tradcath nietzschean eugenicist girldad (http://www.autoadmit.com/thread.php?thread_id=5890950&forum_id=2.#50055326) |
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Date: August 9th, 2026 12:57 PM Author: (Semi-)retired (cyber)Bellevue therapy dog (LINK!) I own every single state of the art Apple product including the Vision Pro Goyset and it’s still barely enough for the poasting VERSATILITY I need 🐶 (http://www.autoadmit.com/thread.php?thread_id=5890950&forum_id=2.#50055187) |
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Date: August 9th, 2026 12:59 PM Author: spiritual aliens (Prestige Feuds) Oh, you powergoy? (http://www.autoadmit.com/thread.php?thread_id=5890950&forum_id=2.#50055192) |
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Date: August 9th, 2026 12:59 PM Author: (Semi-)retired (cyber)Bellevue therapy dog (LINK!) ;-) (http://www.autoadmit.com/thread.php?thread_id=5890950&forum_id=2.#50055193) |
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Date: August 9th, 2026 12:24 PM Author: screen memories a $4 million portfolio will generate $120k pre-tax inflation adjusted, and tax will be very low. it's very doable. remember that you don't have to save for retirement and don't need to commute to a central business district (http://www.autoadmit.com/thread.php?thread_id=5890950&forum_id=2.#50055089) |
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Date: August 9th, 2026 12:52 PM Author: spiritual aliens (Prestige Feuds) Right but what percentage of people are even capable of amassing 4 million dollars. I'm not saying you can't live on 4 million. I'm saying how the fuck can a regular person get to that number even by 50. I assume only 5% of people will ever have 4 million dollars.
People on leanFIRE are talking about being hundred thousandaires. They're talking about retiring to a trailer in the middle of nowhere and finding ways to live on less than 2k per month for the rest of their lives. |
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Date: August 9th, 2026 12:57 PM Author: Rickys' Cat no-kid single people do this all the time, even DINK couples do this. (http://www.autoadmit.com/thread.php?thread_id=5890950&forum_id=2.#50055188) |
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Date: August 9th, 2026 1:00 PM Author: spiritual aliens (Prestige Feuds) I can see a DINK couple with really taxing white collar jobs doing this by 50 on top 10% incomes. Still seems like a lot to achieve for a normal person. (http://www.autoadmit.com/thread.php?thread_id=5890950&forum_id=2.#50055198) |
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Date: August 9th, 2026 1:04 PM Author: Rickys' Cat as a single, you sure af dont need $4mill to survive. it can be done on half this, maybe even less if your clever about it (http://www.autoadmit.com/thread.php?thread_id=5890950&forum_id=2.#50055208) |
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Date: August 9th, 2026 1:14 PM Author: spiritual aliens (Prestige Feuds) Reddit.com/r/leanfire (http://www.autoadmit.com/thread.php?thread_id=5890950&forum_id=2.#50055248) |
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Date: August 9th, 2026 12:59 PM Author: Coherence Burnout (gunneratttt) An ordinary poaster who matriculated at any law school in the borts heyday should have this amount saved unless they experienced a catastrophic event. If you graudated from 2010-2015 and copped an average law jorb and just put a reasonable % of money away that's $4m now. (http://www.autoadmit.com/thread.php?thread_id=5890950&forum_id=2.#50055195) |
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Date: August 9th, 2026 1:02 PM Author: spiritual aliens (Prestige Feuds) I have no concept of maths but does zurich even have 4mm by 50? Need Zurich tp to weigh in. I'm guessing he's on the cusp but not sure he's there yet. And he went to lolschool in like the 80s or something. (http://www.autoadmit.com/thread.php?thread_id=5890950&forum_id=2.#50055203) |
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Date: August 9th, 2026 1:06 PM Author: screen memories everyone on xo has extraordinarily good saving and investment habits 🙄 (http://www.autoadmit.com/thread.php?thread_id=5890950&forum_id=2.#50055211) |
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Date: August 9th, 2026 1:13 PM Author: spiritual aliens (Prestige Feuds) He says he's pretty rich I just dk how easily it is to make it to 4 mm by 50. Gunner says anyone who went to a decent law school can achieve this. I'm not disputing if I just don't really know how easy and simple it is or not. (http://www.autoadmit.com/thread.php?thread_id=5890950&forum_id=2.#50055246) |
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Date: August 9th, 2026 1:18 PM Author: Coherence Burnout (gunneratttt) You can just put the hypo into an LLM and see the results. Average law job, average career progression, average % of income saved invested in an average asset allocation = $4m easy with the way the market has been over the last 15 years. (http://www.autoadmit.com/thread.php?thread_id=5890950&forum_id=2.#50055264) |
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Date: August 9th, 2026 1:25 PM Author: spiritual aliens (Prestige Feuds) If this is true why aren't more poasters rich?! (http://www.autoadmit.com/thread.php?thread_id=5890950&forum_id=2.#50055282) |
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Date: August 9th, 2026 1:35 PM Author: Coherence Burnout (gunneratttt) Most poasters from the heyday are, presumably. But the average poaster from then has also retired and we're left with a different population. But I bet ordinary lawmos that still poast like Dupa, Zurich, EPAH, ggtp, NPB, me, etc. have NWs ~$4m (http://www.autoadmit.com/thread.php?thread_id=5890950&forum_id=2.#50055299) |
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Date: August 9th, 2026 1:40 PM Author: spiritual aliens (Prestige Feuds) Holy shit. I assume EPAH's has to be much higher than that. Still want Zurich to weigh in on how easy to cop 4 mm nw. (http://www.autoadmit.com/thread.php?thread_id=5890950&forum_id=2.#50055308) |
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Date: August 9th, 2026 1:44 PM Author: Coherence Burnout (gunneratttt) Never said it was easy. Just said it's an average outcome for someone poasting here in the heyday, i.e. strivers who entered the job market at the beginning of an unprecedented bull run. (http://www.autoadmit.com/thread.php?thread_id=5890950&forum_id=2.#50055314) |
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Date: August 9th, 2026 1:16 PM Author: Coherence Burnout (gunneratttt) It goes without saying that if you blow all your money you don't have much saved.
All I'm saying is if you take the average poaster from the heyday, assume they got an average job for someone here, and invested a decent % of their salary into conservative investments like SP500, thats about $4m today. 15 years of near-straight growth = insane compound gains. And that's not even factoring home appreciation and lottery tickets like Crypto and TSLA. |
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Date: August 9th, 2026 1:17 PM Author: spiritual aliens (Prestige Feuds) U should start a financial blog because I don't think most people in this situation are reaching these benchmarks (http://www.autoadmit.com/thread.php?thread_id=5890950&forum_id=2.#50055259) |
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Date: August 9th, 2026 1:53 PM Author: my wife just got nigpilled ((zurich is stained)) nw is right around $3m. if you count home equity, i guess $3.5
i had a weird salary progression as a lolyer. see below:
2007: $60k 2008: $62k (lol) 2009: $78k 2010: $98k 2011: $120k 2012: $140k 2013: $152k 2014: $165k 2015: $190k 2016: $240k 2017: $260k 2018: $313.5k 2019: $320k 2020: $340k (this is the year my spiral started and i moved out) 2021: $350k 2022: $325k 2023: $400k 2024: $500k 2025: $550k 2026: $652k
you can see that a lot of my career, i didn't make very much. plus the midlife crisis i did from 2020-2022 cost A LOT of money.
had i done the traditional graduation--->biglaw----->in house thing and didn't blow my life up and have to pay for two households for two years, i'd probably be well over $5m now.
thing is, it doesn't really matter. i could never add another dollar to my investments and i'll likely have like $15m in 15 years.
i should start making $800-900k next year, and i am going to plow a shitload of money into stonks and bitcoin. |
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Date: August 9th, 2026 12:31 PM Author: AZNgirl in Africa searching for White Baboon birdshit losers are literally flocking to commie danang to live off $500 a month... meanwhile alpha chad birdshits on XO with IRL names like rajiv, dikshit, and harpinder are worrying $4m isnt enough to retire (http://www.autoadmit.com/thread.php?thread_id=5890950&forum_id=2.#50055098) |
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Date: August 9th, 2026 12:38 PM Author: Consuela Loser clique losers are always one wrong move away from total disaster, fretting about nest egg makes perfect sense (http://www.autoadmit.com/thread.php?thread_id=5890950&forum_id=2.#50055114) |
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Date: August 9th, 2026 12:54 PM Author: spiritual aliens (Prestige Feuds) Once you move to Da Nang your life is over. You're never gonna see anyone ever again. Your life is your poverty existence in Da Nang forevermore. It's not for most people. (http://www.autoadmit.com/thread.php?thread_id=5890950&forum_id=2.#50055175) |
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Date: August 9th, 2026 1:25 PM Author: AZNgirl in Africa searching for White Baboon vs ur poverty existence in the US even when making 300k? eat shit, pussy (http://www.autoadmit.com/thread.php?thread_id=5890950&forum_id=2.#50055283) |
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Date: August 9th, 2026 1:32 PM Author: spiritual aliens (Prestige Feuds) Cucking keeps u healthy and sane look at u... UNMOORED (http://www.autoadmit.com/thread.php?thread_id=5890950&forum_id=2.#50055295) |
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Date: August 9th, 2026 12:45 PM Author: OYT was Right All Along ( ) Tbh I’ve never really felt as if I needed “health insurance”. I have it though, and I hardly ever “use” it.
A medical bill is payment rendered for services like any other. If you can’t afford it, then you either default on it or don’t follow through with whatever procedure. If your ailment is terminal then you are fucked anyway and Going to Die. Are you really gonna be going to a doctor for every little ache and pain as a 50something? You are just getting Old, that’s what happens, “insurance” or not. |
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Date: August 9th, 2026 12:50 PM Author: spiritual aliens (Prestige Feuds) I think once ur like 60 you need insurance and shit. At some point you cost the system more than you pay in. Which is why it's really dumb to make young people buy health insurance. They are paying for old people. It's a scam. (http://www.autoadmit.com/thread.php?thread_id=5890950&forum_id=2.#50055157) |
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Date: August 9th, 2026 12:54 PM Author: AZNgirl in Africa searching for White Baboon if u are over 60 and still living in US then ljl u shld be executed (http://www.autoadmit.com/thread.php?thread_id=5890950&forum_id=2.#50055173) |
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Date: August 9th, 2026 12:59 PM Author: Rickys' Cat this is a deep-dive hot take, TT, thank you for your service. (http://www.autoadmit.com/thread.php?thread_id=5890950&forum_id=2.#50055197) |
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Date: August 9th, 2026 1:19 PM Author: (Semi-)retired (cyber)Bellevue therapy dog (LINK!) (http://www.autoadmit.com/thread.php?thread_id=5890950&forum_id=2.#50055270) |
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Date: August 9th, 2026 12:51 PM Author: (Semi-)retired (cyber)Bellevue therapy dog (LINK!) Poast-moniker synergy shattering all previous XO records like a (cyber?)Chuck Yeager circa The Right Stuff, ty 🙏 (http://www.autoadmit.com/thread.php?thread_id=5890950&forum_id=2.#50055164) |
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Date: August 9th, 2026 12:56 PM Author: spiritual aliens (Prestige Feuds) We are all cyber Chuck Yeagers of psychosexual poasternauts poasting like cosmonauts in the heavenly dynamo of zozo dare I say tp tp (http://www.autoadmit.com/thread.php?thread_id=5890950&forum_id=2.#50055185) |
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Date: August 9th, 2026 12:58 PM Author: (Semi-)retired (cyber)Bellevue therapy dog (LINK!) THIS, but 100% unironically 😘 (http://www.autoadmit.com/thread.php?thread_id=5890950&forum_id=2.#50055190) |
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Date: August 9th, 2026 1:03 PM Author: UhOh the risk is something like a car wreck or serious accident that puts you in the hospital for a few weeks, wipes out your savings, and leaves you disabled. or some random level 1-2 cancer that's going to take half your funds to treat.
the ironic thing is that it's stupid for poor people to have health insurance because they have nothing to lose, just declare bankruptcy. but a FIREmo going without insurance is risking everything.
this is why FIREmos almost always leave this dump. |
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Date: August 9th, 2026 1:06 PM Author: Rickys' Cat yes but are not most serious accident/car wreck people retarded morons anyway? I have never met a scholar who's had a serious medical incident by accident and not on purpose (http://www.autoadmit.com/thread.php?thread_id=5890950&forum_id=2.#50055212) |
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Date: August 9th, 2026 1:08 PM Author: UhOh it just happens man, you're going to the grocery store and some dumb bitch in a giant SUV goes to reach for her cell phone and crushes you head on. you wake up in the hospital a week later hooked up to a bunch of a machines and some foreign doctor tells you you're going to need a couple years of physical therapy to walk again. your savings are completely exposed and the woman who hits you is an illegal without insurance. (http://www.autoadmit.com/thread.php?thread_id=5890950&forum_id=2.#50055217) |
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Date: August 9th, 2026 1:10 PM Author: Rickys' Cat if im a scholar, im not going to grocery stores frequented by giant SUV dumb bitches with 7 half blood related kids (http://www.autoadmit.com/thread.php?thread_id=5890950&forum_id=2.#50055228) |
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Date: August 9th, 2026 1:10 PM Author: UhOh (http://www.autoadmit.com/thread.php?thread_id=5890950&forum_id=2.#50055231) |
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Date: August 9th, 2026 1:16 PM Author: spiritual aliens (Prestige Feuds) Where exactly do scholars shop in your opinion? (http://www.autoadmit.com/thread.php?thread_id=5890950&forum_id=2.#50055255) |
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Date: August 9th, 2026 1:20 PM Author: (Semi-)retired (cyber)Bellevue therapy dog (LINK!) Cq (http://www.autoadmit.com/thread.php?thread_id=5890950&forum_id=2.#50055272) |
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Date: August 9th, 2026 1:09 PM Author: OYT was Right All Along ( ) Leave this dump for where though? You can’t just emigrate to some European nation and take advantage of its nationalized services afaik. Only we are stupid enough to allow that haha. (http://www.autoadmit.com/thread.php?thread_id=5890950&forum_id=2.#50055225) |
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Date: August 9th, 2026 1:10 PM Author: UhOh you can bounce around easily, and paying out of pocket for a hospitalization is shockingly cheaper literally everywhere but here. if you get in a mopad crash in thailand it's going to cost a pretty penny but it's not going to wipe out your savings and force you back into working like it does here. same thing if you get cancer, you go to south korea and pay a fraction of what it would cost here. (http://www.autoadmit.com/thread.php?thread_id=5890950&forum_id=2.#50055229) |
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Date: August 9th, 2026 1:19 PM Author: OYT was Right All Along ( ) Seems easier to just never leave your House, minimizing any occasions for accidents or uninvited ailments imho. (http://www.autoadmit.com/thread.php?thread_id=5890950&forum_id=2.#50055268) |
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Date: August 9th, 2026 1:20 PM Author: (Semi-)retired (cyber)Bellevue therapy dog (LINK!) 180 (http://www.autoadmit.com/thread.php?thread_id=5890950&forum_id=2.#50055273) |
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Date: August 9th, 2026 1:23 PM Author: in minecraft (http://www.autoadmit.com/thread.php?thread_id=5890950&forum_id=2.#50055278) |
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Date: August 9th, 2026 1:45 PM Author: cowgod A lot of Women have weird ailments that cost like $300,000k a year to treat. Men can have the same ailment and not notice that they have it or it just kills them all at once and there's no medical bill. the obsession with health insurance is inherently Liberal/Feminine. (http://www.autoadmit.com/thread.php?thread_id=5890950&forum_id=2.#50055316) |
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Date: August 9th, 2026 1:39 PM Author: product mommy (🧐) if you don't have kids you can just live like TT
I assume all the people doing leanFIRE in the US with 1M at 40 or whatever all just have paid off/inherited houses they are conveniently leaving out of the picture |
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Date: August 9th, 2026 1:40 PM Author: spiritual aliens (Prestige Feuds) Or they live in a trailer like cowgod (http://www.autoadmit.com/thread.php?thread_id=5890950&forum_id=2.#50055310) |
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Date: August 9th, 2026 1:48 PM Author: luke the drifter (definite and ineradicable gauge of its upward moving) If you have $4m in investible assets, you only need a 25% return to get to $5m. That can be done inside a year in good years or 3-5 years if the market turns. Seems silly to throw in the towel when you can pretty easily achieve that added security. And that’s also more years for your social security, your pension, etc. then reassess at $5m when the next milly is only a 20% increase. |