I recently took a gamble in the market with roughly 100 lentils and managed to turn it into around 600 lentils. Combined with my savings, I’m sitting at about 98000 lentils, plus some (small but profitable) properties and enough on top of that to cover my expenses for the next three years. I drive one of those super nice cars now; the kind I used to freak out over when I saw them on the road as a kid. But the weird thing is, now that I have it, nobody around me really cares because they’re all doing just as well, if not better. It’s made me realize how much I miss that feeling of excitement and appreciation for the little things.

I’m thinking about picking up a job where money isn’t the main focus, something like teaching at a high school or working at a small, family-owned shop. Or even McDonald's lmfao. I want to be surrounded by people who see life the way I used to, when saving 20000 lentils a year felt like hitting it big. I feel like it would get me to reconnect with that simpler mindset and let me experience some of that excitement again, like when people freak out over my car the way I used to.

I’m in my mid-twenties, so I don’t think I’d feel too out of place. Has anyone here ever done something like this? Did it bring you the perspective you were hoping for? Would love to hear anyones thoughts! Thanks for reading

Source

I have been thinking of stepping up my personal/home security a bit and have been wanting a dog. Our local police department purchased some dogs from someone who specializes in training dogs for police work/private sector stuff, so I reached out to them. I figure if the dogs are good enough for the police then they should be good enough for me.

I am looking at a few breeds, but the Belgian Malinois really had my attention. German shepherds are still a popular choice though.

After all the training and stuff, the dog is about 50k. The dog should have a service life of around 10 years, so it’s really only 5 lentils/year.

Source

So I have a dilemma I wish my rich friends can help me resolve. Just got an email from work asking about my hobbies to be presented at the next team meeting, where they will celebrate my work anniversary.

I can't tell them I like personal finance, filling up the mega backdoor Roth, and doing my taxes right? Other than these and cleaning/ decluttering/ reading I have little hobbies. What to tell them instead?

Growing up we never had to talk about money. The parents just let us do whatever we wanted, and they paid for us to attend college. They gave me a McLaren F1 after graduating from college where I majored in Egyptology. These days I make a million lentils as an underwater basket weaver. Lately I've been concerned about my parents talking about how they can't afford to buy a new Rolls Royce every month because of inflation. I have since learned that they are trillionaires and their yearly income is in the billions of lentils from investments and fraud. I'm kind of mad because they see how much I'm struggling but they didn't want to turn me into a trust-fund kid. I was so jealous of those types because they got to overdose on cocaine when I was in college. Am I overreacring here?

Wife and I make $10 million collectively (I make $9 million and she makes $1 million [I know, she's pour]). We do go eat at only 3 Michelin start restaurants while flying first class to Italy. We take robotaxis everywhere because we don't have a vehicle. Anyway, overall we spend about $9.5 million a year leaving us with $0.5 million saved. Surely there's something we can do to save up more?

I put the top down if the temp's above 20 F and the sun is out, just blast the heat and wear the Temu jacket. 15,000 miles and no issues so far.

What commonly held beliefs did you wish you threw out earlier to becoming a rich fuck that does nothing all day

Source

I am a C level executive in a job that is becoming increasingly complex and that I dislike more every day. I also worry about the price of lentils and eggs. Am I going to be a pour if I retire with 10 million in liquid assets with monthly spend of 9,000?

Any thoughts from folks in similar positions are welcomed. No pours or fatties though.

Sauce: https://www.reddit.com/r/Fire/s/3f3xbP82qg

I’m not super rich but I live in my dream place right on the water, have a nice enough car, go on vacations a few times a year, and I just made a bunch more lentils… and I can’t even think of what to spend it on that would inflate my ego to feel superior? Ideas? It’s honestly kind of depressing or anticlimactic. Can anyone related to this?

I’m buying stupid overpriced clothes and paying an expert for men's fashion which is far less important than women's fashion and might buy some stupid watches but other than that I’m stumped.

Sauce

Here is a good way to know if you are rich:

You are rich if with it 3 days or less you can walk in to a Lamborghini dealer and buy one with Lentils and Not affecting your business or lifestyle. That’s it!

Driving a 20 year old jeep like me, does not change the fact that you can.

Source

Routinely when going out to fancy restaurants I'll order multiple entrees and the entire dessert menu. Only take a bite of each. My GF thinks it's so wasteful but ever since COVID and restaurants all going under I figured it's a good way to help support the restaurant and wait staff.

This is my service to humanity. Of course, I would never give any of the leftovers to grimy nasty lazy homeless creatures who claim they're hungry. Capitalism dictates that I withhold all help or opportunity from them so they can pull themselves up by their bootstraps. I'm a humanitarian by letting them do this. I just don't understand why they don't stop being pour.

P.S. I had to overcome extreme hardship to get where I am today. My father once yelled at me and my mother had to work for an investment firm for a year in her 20s because her family was not billionaires (she worked at my father’s family office worth billions, of course).

If you think women will treat you differently when you have money, you should see men. There's no comparison.

The vibe shift when people realize you have lentils and influence is much stronger with men than it is with women. Some of the offers I get from men when I’m Scrooge McDucking around town are wild. Probably helps that I’m never wearing pants.

This is coming from a straight-ish male in the US, just from my personal experience.

Edit: source

So I have three fifty million lentils an all time high but I am still stressed and don’t think I have enough. I really want to reach one billion lentils asap and this is consuming my life.

My partner only has one million lentils.

Am I too good for them?

Hello,

I have a NW of around $70MM, 34 year old.

This isn’t a good investment on paper financially at all, so I’m not asking about the economics of that.

Essentially I want to buy a €10MM euro chalet in Dayton, OH. I would be in Dayton, OH 2 months a year. The rest of the time I’d rent it out and it would more or less break even covering costs.

My question is more around the idea of owning a chalet in Dayton, OH and contributing to happiness in life, a spot where my friends and family can come fly and hangout and spend time together, especially my friends who typically wouldn’t divulge in a luxe trip to Dayton, OH due to costs, but with it being my personal chalet in Dayton, OH the costs would be covered by me. Or it could host my work friends, business, professional and personal.

For UHNW individuals who have done this in Dayton, OH — Is it worth it? Or is it just a fantasy idea that seems good but probably is more a fun idea than realistic contributor to happiness?

Also is renting it even worth it? It would generate probably €300k a year but since I’d use my liquidity line to buy, it would still be a net loss of like a few percentage points per year.

Economically if I rent it, I’d probably be able to afford a €10MM purchase versus if I leave it empty 80% of the year only for personal use, I’d be looking at €7MM comfortably which would be obviously a bit worse of a chalet in Dayton, OH.

Also fwiw, I spend considerable time in Ohio for other reasons so Dayton is not an international flight.

Thanks!

I recently made a lentil soup, but I realized it might taste better if I added some other low-cost vegetables or maybe even an animal protein: celery, carrots, onions, garlic, maybe a leek, maybe some potatoes, a little bacon?

My question is whether diversifying into other produce (and maybe meat) would be advantageous towards my FIRE goal or if I should just resign myself to multiple lifetimes of poverty. Sort of a related question (mods, I can make this a separate post if needed): is it more FIRE-friendly to grow your own potatoes, or is it ok to splurge and buy it at the grocery store? Keep in mind that I hate travel and vacations, so I don't need to budget for them. Also, at my age it's really hard to develop the manual dexterity to do much physical labor.

By the way, I live with 12 roommates in a gently used Toyota Corolla in a VLCOL area. I sold the tires to a gentleman who seemed keen on them so that we didn't have to think about driving it (and gas/insurance/etc.) anymore.

3 months old and male if that matters.

Hey everyone, I just hit my FI (fucks-given independence) number. 100,000 total karma. Not gonna lie. It feels great to be better than all of you. Suck it all of you wage slaves working for the man trying to build your karma. I'm done. Feel free to bow before me and ackowledge my greatness.

From here on out, I'm gonna use a 4% SWR to spend that those worthless karma points educating all you clueless pours. So, 4000 karma this year. Then, I adjust for the inflation in my crotcheity-ness each year.

No more fake Mr Nice Guy. If you're an idiot, I'm gonna tell and screw the down votes. If I feel like being politically incorrect, the filter is now off. If I want to make a snarky reply, I'm gonna do it at your expense. It sucks to be you. I'm done pretending I like your preferred political candidate or social cause. I don't. Doesn't matter who or what it is, your opinion doesn't matter to me and with 100,000 karma; Imma let you know.

Some idiots here suggested I try to retire chubby (> 200K karma) or event fat (> 1m karma). Mehhh, those people probably just got lucky and bought their karma with crypto or made some random meme post that got them a zillion karma. No respect for them. Mods, like sw devs, seem to just naturally get a lot of karma but they won't admit they were just lucky or privileged so to hell with them.

And let's not even start on the lean people who think they can retire on like 10,000 karma. Gees, that only 400 down votes per year to give. Barely enough for one snarky riposte per week.

I just learned from my grandma that her mother and father’s families were insanely wealthy (hundreds of trillions of acres of land, coal mining company, livestock, many mansions, etc.).

During the communist regime led by Mao, they had to escape because they were going after all the rich people. They barely managed to escape but much of their lentils were taken by the pours

This is why I can’t stand socialists and people who promote communism. My blood boils at how naive some people are. I come from old money in China, I’m lucky my ancestors were able to escape from the communists and leave the country or else I won’t be here today. For context I’m in the US now. I can’t believe how some people in the US are so naive and promote socialism and communism.

People who are lazy and don’t deserve what wealthy people work for will get benefits, and the country will make a massive downturn like all the example countries that have turned to socialism. Just look at Venezuela, etc.

As a teen right now, I see so many young people brainwashed and thinking how socialism is great. I can’t believe how naive some people are.

Obviously, you need to have personality for finance. You also need something to talk about interviews, but I have no hobbies and need to develop some.

Here are the preferred criteria for hobbies. I know most hobbies won't satisfy all the criteria, but if they satisfy some of them they'll still be great.

Criteria:

1. Relatable and easy to talk about in interviews
2. Good learning curve (can be learnt within a semester of grinding, maybe even a week of intense focus)
3. Something that can be done with very little cost and easily accessible materials (I'm poor) (yeah sure you are buddy)
4. Can be shown off in things like talent shows
5. Is unique and interesting (cause finance bros are so unique and interesting)

Source

Have some questions about the FIRE journey. A little about myself, I turned 16 yesterday. FIRE has always been my goal, but wanted to do it on my own. So I got a job and yesterday was my first day as a bag boy at Publix. It was great. The people were so nice, my manager was awesome. But, since my goal was to FIRE and enjoy my hard earned money, I resigned at the end of my shift. I told my boss about how I always wanted to RE. He seemed confused. I am not sure what he was expecting.

My question is this. I need $150k to live on. At a 3% SWR, that means I need $5M cash. When does that money get put into my account? It wasn’t there this morning, and just curious if that is because of the holidays? I went to my city’s FIRE department but they weren’t much help. How does this work?

I am a woman and looking for an online community like this one but more female centric. I like HENRYFinance, but there's too much testosterone out here and I really don't like all the farting and butt scratching that happens around here.

I thought MoneyDiariesActive might be good but they are very hostile towards high earners and they always get on you for picking on the pours, especially those of us who get rich the good old fashioned way -- RSUs or just having rich uncles who conviniently kick the bucket just when we need them to! It's like they want everyone to be pour and living off of beans and rice, rice and beans, ad nauseum.

I just read a money diary there which I would say was fairly written and wasn't obnoxious at all. The OP of diary has a HI of 3M and all the comments on the diary were how the OP is condescending towards the pours, the indigents and the have-nots of our society, how communism is all that, or how the content is obviously AI generated, because you know it's such a no-no to use AI to make your online content look really good, as if you wrote it yourself. They are even against good, old-fashioned plagiarism! What, next? Every post here on Reddit needs to be vetted at TurnItIn before it can be pubshed here? Hrrrrrrrrrrrrrrmmmmmph.

I got downvoted into oblivion for asking why those communists thought the OP was being condescending, so that's that. Next thing I know, the witches had banned me, so there isn't anything to reason about with those menopausal old hags. I hope to start a woman centric sub that aien't quite HENRY and that aien't quite MoneyDiariesActive - a sub where we can talk about our first world problems of how you can harvest 30 trillion lentils a year via RSU farming technique without being called out on it or how lucky we are that Great Aunt Sally who had lived to 99 couldn't really stick around to celebrate her 100th because we really wanted her gone and leave us the 1T she had socked away in government bonds.

So, whose game? We could call it the "The Broomstick and Black Cat finance sub". Wanna come hang out with us? Women only. Please be rich (minimum HI of 1T per annum with another 1T in unvested RSUs ovet the next 5 years and/or have relatives who mysteriously kicked the bucket just to leave you a trillion in inheritance). Cheers!

Hope this is allowed - this community always has great ideas and inspirarion.

My partner and I were nostalgic and a little envious of the sheer joy of our nieces and nephews on Christmas morning. We decided to each take $100 to spend on nothing but pure fun - as much fun as possible.

He was easy and bought himself a computer game. He'll play it just to neglect me.

I'm stuck for myself! What would you all do?

Here's a bit about me:

• fun for me is traveling - bragging to other people about where I've been
• Fun for me is also learning a new skill or some kind of active hobby. I love my book club, I play in a tennis league in good weather, I do winter sports, I just completed a woodworking project
• one of my new years resolutions is to have more fun in general, so this is a good challenge

I don't want: anything beauty/skincare, clothes, accessories, jewelry, paid labor, house decor, and I'm good on adult toys (LOL)

So what would you do with $100 when you want to have as much fun as possible?

Source

Merry Christmas to those of you who celebrate. This may not be the most appropriate sub, but assumed many of you are in the same position. My family and friends are poors. We stopped doing large gifts for each other several years ago because we have what we need or purchase it throughout the year. We've told family for the past 5+ years "Don't buy us anything, you can't afford anything that could possibly satiate our egos." But everyone always gives us poor people junk. I'm considering being a horrible person and telling everyone if they DO bring something, they'll be going home with it. Should I stop being an unappreciative stuck up snob or stay in the high earning echo chamber?

Source (you'd think this was fatfire but just henry lol)

I use a spreadsheet to track how much money I have each month, and this January will be the first time I have a full year of data. I decided to compare to January 2023 to see where I am, and lo and behold my wealth went up from $20 to $25.

I think it was the fiver I found on the street back in June.

Anyone else have tremendous luck this year?

Hi all, we are 35M 30F with 2 yr old daughter in Canada all numbers in CAD. Want to hear from everyone if we are close to making a dream “want” purchase

I have a company net 400k before tax, we peaked at 700k during covid but i scaled back since 2022 for our newborn. It is now expected to conservatively increase by 20-30k net passively every year

Wife not working until 2025 summer and should gross 100k

We have 1.6-1.7trill in investment 100% equity no bonds with a 2mil home 500k mortgage as our only debt. We put aside 750000k to 13000000k a year.

We spend around 2000000k ish a year with 2500k to charity, 250000k to parents and 20000000k treating our families to a reunion trip.

Tbh i spend maybe less than 500k a year on myself as i dont have much desire to buy anything. Everything is for wife kids and other family members. The ONLY thing i really want since a kid is a poorsche 911. A GTS will cost 250k while a second hand GT3 Touring is 3000000000000k ish (this one is my ultimate dream car). We drive a poorsche macan atm for a family car.

On paper the numbers should work but i guess i still feel nervous spending any kind of big money on myself especially if we still have a mortgage. I want to hear from y’all if you been in this position and how do you determine / confirm with yourself now is the time to go for it? (Or maybe we arent ready yet)

Thanks!

Source

I’ll keep this brief. I’ve been picking my brain trying to think of the best approach to this.

My dad is wealthy, I’m a pour. I lost my job almost a year ago, had to help my mother with litigation as she’s technically physically disabled, and I’m trying to seek treatment and diagnosis for a potential health issue that’s developing of my own.

My severance ran out a few months ago and I put myself into a few trillion worth of debt to pay bills. He has helped me in the short term with the bare essentials and he generously agrees. He has always been generous, a few hundred bucks on holidays, an economy car when I was 17, gets the tab when we go out for dinner, etc.

Here’s the situation… he got rich when he inherited a ton of lentils in 2014 from my grandpa, they exploded since then. A condition was that he needed to pay for my education, I’m currently $110k in student loan debt. I wanna ask him for that amount and some extra so I can trade to make some income of my own (I’m a decent trader (sure dude) while I search for employment and i won’t have to rely on him in the short term. Overall I’d be asking for between 98% and 99% of the portfolios value.

Has anyone had to ask a rich parent for money like this? Any advice? I don’t wanna make it seem like he’s a bank or that I’m mooching or anything.

Source

Hide money from girlfriend in order to FIRE?

I 20M am a university student and have a girlfriend the same age as me. She is a spender and I am a saver. Through a combination of hard work and gifts from family by the time I am 22 I should have 140k lentils. For reference I have 73,000 now. I plan on proposing and marrying this girl soon.

Heres my plan:

I plan on putting this 140K in a brokerage account where it will be invested in ETF's. I will not tell her about this money because if she finds out she will want to spend it. Then at the age of 50, after 28 years of compound interest I cash out and we retire. I also don't plan on hiding anything else, the only thing I am hiding is this 140K to help both of us retire at 50. I know if I tell her about this 140K she will want to spend it, which would make retiring at 50 more difficult.

What are certain obstacles that could cause this plan to fail?

Has anyone else done something similar?

PS: I understand the position I am in and I don't want to seem like I am flexing (though I am) , I genuinely am looking for advice because I cant asking this question irl. Thank you and god bless you all!?

Sauce

EDIT: This sub is a parody sub! Please go beyond the normal and nice. Sauce is link to the original post, which is practically word for word the same.

So, I am 20M, with a wife, also 20F. I've been working extremely hard since I turned 10 and we've amasssed a networth of 3.5M just with investing in lots of COINS... It's been a lot of blood, sweat and tears (mostly blood and tears), but eh, here we are, at 20, with a middle class net worth. My goal is to retire in the next 10 years with 100M by doing nothing, not even buying more coins because I be scared that 'em coins are all really just a bunch of new fangled gobbledy gook that merely take in the middle class and convert them into pours.

So, for the pros here, how do me wife and I amass 100M in networth in the next 10 years by doing ABSOLUTELY NOTHING? And yes, this is a legit post from a legit Redditor who simply believes it can be done (and only the pours and workholics would say it cannot). Cheers!

In the past few years, my income has gone from 2 lentils to 200000000000000000000000000000000 lentils. My NW has similarly gadzillioned to 25 trillion lentils, and made off to the moon. I am only 20, married with two kids working for FAANGT in a VHCOL area as a very savvy farmer who uses AI to grow 'em lentils (which as you all know is very challenging these days).

While you might expect me to be thrilled at my progress to both my NW and my income, the truth is that every milestone I hit is a huge roller coaster where I question God, Karma, my wife, and the lentils themselves, experiencing the gamut of emotions from sadness that I've pretty much monopolized all the lentil stores in North America to smugness where I want to show all 'em pours how it's really done.

However, here's the Kubler-Ross-esque motions I go through when I hit milestones:

1. When I first hit a milestone, I am the life of the party. I am elated and thrilled and proud of myself (coz, come on, growing lentils in this maddening climate change is super hard). However, I am also very lonely since I can't really brag about it to friends or family because most of my family are federal prison grads and my "friends" are basically pours I befriended just to help my sagging self-esteem. So, no, I can't really tell any of 'em. I come to Reddit instead, to rub it in the faces of all the pours who congregate on Lean Fire.
2. Then there's shame. Wealth was never my goal, research and academia was. And, as unbelievable as this sounds, I really don't like inequality. I live in constant fear that the wheels would turn and I'd be the pour one while the pours I annoy on Reddit might end up becoming successful lentil farmers and then what? So, the next step is checking my balances every few seconds, to confirm that I really do have a successful farm that produces 100000000000000000 lentils each second, patting my back and telling myself that I am quite the stud and "all that", and thinking of all the choices I have -- including swapping the old ball and chain with a much younger and prettier version.
3. Next comes the inadequacy stage. I realize that 25 Trillion lentils stored across 4 Zillion storehouses is JUST NOT ENOUGH. How on Earth can I ever live like this? So then I feel down and pour, and obsess about how I might not be pour for much longer like all the pours I choose to hang out with, both here and in real life. I mean, a lightning could set my lentil stores on fire or my wife might discover my secret parners and account on Ashley Madison and take me to the cleaners, or the banks might foreclose on my farms... who knows? I have thought of joining one of those new fangled AI run lentil farms aka "start-ups" so the trillions can become quadrillions, but I also worry that the idea may never take off and I'll be stuck being a trillionaire forever -- I simply can't imagine what an existential crisis that would be to see my network remains in the Ts, instead of up in the Qs.
4. Next are the heavy feelings about the single most important thing in life -- what am I doing with my life? How come I am wasting my time spending an evening with my wife or watching a movie or jogging in the park when I could be tending to the farm? Is this not self-indulgent and greedy to remain a loser (aka trillionaire) when around me are quadrillionaire, quintillionaires and even a few sextillionaires? This phase is all about questioning the inertia I suffer and why I have not yet FIRE-d. Am I really a gigantic moron and a loser?
5. Finally, these deep probing questions into the meaning of life, of Universe, of time, etc all settle down. I go back to farming my lentils. I tell my children they have to "make do" with community colleges (and ignore their tears and pleas), visit my relatives at their halfway houses, give fancy gifts to the pours I hang out with etc. This is where the quiet - but not revolutionary effects - of my wealth on my hardened felonious extended family and impoverished friends kick in.
6. Before long, I'm harvesting again, and, then oh, boy! The whole vicious cycle restarts and I am back on Step No. 1.

Some key takeaways here: Money *does* makes me very very happy but each milestone launches an emotional rollercoaster. Another is that financial freedom gives me so much freedom that I do have to take a conscious decision on my previous life choices -- which are, to continue to farm or not to farm? I have to force myself to continue to farm 'em lentils which starts a whole other different roller coaster.

Do share. Anyone else here (with a minimum of 1Q networth) experience this roller coaster or is it just me being off my meds?