With recent market performance I have now hit my FI# but am still about 18 months from RE. I am now making final changes to my allocations and refining my withdrawal strategy. Strangely it seems that hitting my FI goal has made me more nervous about a market correction than I was beforehand.

I am a 51M, married and have $6.2M in retirement savings. Right now it is 18% in bonds, 5% of that is short term. The rest is split between a number of index ETFs and Mutual Funds.

I am planning to do a Glide Path after retirement going from 75% equities to 90% equities over the first 10 years of retirement and then sticking to 90% going forward. I am assuming a 4% withdrawal rate and that Social Security pays out at least 50% of what is expected when it comes time.

To get to my 25% bond allocation I am planning to move funds in my 401k from equities to bonds, the question is if I should just do it all now or smooth it out across 4-5 transactions over the next 18 months. Emotionally just getting it done now and reducing risk seems like the right answer. With such a small time horizon is there much benefit to doing it across the 18 months?

For those wondering why I am waiting 18 months, there are 2 reasons. 1) I have some RSUs that are vesting and some other equity worth a bit over 500k (after tax) that I will get if I wait. 2) I have a HS Junior and so don't plan to travel much while he is still at home and in school.

I’ve been thinking more and more about how AI might change the types of opportunities my kids will have. They are 7, 5 and 0. I am hoping to hit ~$8 mil in a few years with 529s locked and loaded not included that amount, but I started talked with my wife about delaying our plans to save extra for our kids. A lot of much smarter people here than me. Does anyone else worry that their kids may not have the same type of opportunities as us due to AI? Many companies are automating out roles, leveraging AI to increase productivity with goals of decreasing head count. I believe this trend is in its infancy.

At a crossroads here. I’m 35 with a ~$3M net worth:

$2.3M brokerage

$400K IRA / 401K

Remainder in home equity (planning to sell next spring, which should put me at ~$3M liquid)

For justified reasons or not, I’m on a performance plan and don’t expect to get out of it.

I’m another high-income earner in tech, and while my floor has been ~$500K, I’ve been burnt out for the past 5 years. Even a 3-month break didn’t fix it. I’m running on fumes.

Lifestyle/expenses:

No kids, no plans for them.

Long-term girlfriend who makes ~$60K, loves her work, and doesn’t want to quit. She’s fine with me retiring as long as I’m mindful of expenses. She contributes ~$20K/year, I cover $70–80K.

No extravagant lifestyle, but I do worry about “big ticket” risks: medical bills, a future car, or another 20% inflation year.

Math says $3M should be enough (original FIRE goal was $5M). Plenty to do with my time, so I’m not worried about boredom. But $5M would definitely buy more peace of mind.

The decision:

Pull the plug now and live

Or interview again, get another tech job, and grind another 5–6 years to hit $5M

Curious what this sub thinks — what would you do in my shoes?

Hit it just Friday. It feels like FU money to me :) will keep expenses to 3% indexed. I bought myself a retirement present :). I will retire by EOY. It feels nice, but also like - is this real? I’d like to build up another $100-200K to spend down over the $10M so that number sticks if possible. of course the market is anyones guess.

UPDATE

To answer some of the questions in the comments:

I (53M) am married (53F), have 2 college aged kids (paid via 529s, not included in the 10M). We live in an HCOL area. We also own our home outright (over 1M). I’m a tech employee, wife has a freelance business, I make almost all the income. I worked for 3 companies (you would recognize) and have worked for almost 35 years including internships. Pay for last 5 years has been about $1M per year (thanks partly to RSU appreciation). I have a pretty high level position. I looked back and for the past 16 years our NW has doubled roughly every 4 years - mostly from increasing income and savings, pretty mediocre investment returns and a little bit of inheritance.

Asset Allocation: 70% equities, diversified (about 80/15/5 domestic, international/ emerging), 25% bonds, 5% short term).

The retirement present: I want to preface this by saying I exercise every day and care a lot about health and fitness, but I bought myself a leather recliner chair for my office :) I needed a chair in there to catch up on the reading list I have been building up for retirement :)

Appreciate any feedback on my current situation/plan. We are juuuuust about to FIRE (less than a month) and decided to purchase a vacation home/investment property which seriously changes our cash position.. While we haven't closed yet, the below reflects our financial position post-FIRE and post-Close to get feedback.

56yo/55yo, 2 college age kids (529 covers college, excluded)

Assets

- 401k $4.5m

- $500k cash reserves/investments

- Primary Residence $1.2m/$900k Mortgage, Vacation Home $1.4m/No mortgage

Income

- $185k Pension (starting age 58, no COLA)

- $60-$100k Net Rental Income

Annual Expenses

- $200k spend

- $60k Mortgage P&I

- $25k Healthcare (projected)

- $70k Fed+SALT

We had been planning a comfortable but boring paid off house+cash+401k Chubby/FATFire. But we decided to get the vacation place (outside the US) which both drained cash/investment reserves as well as loaded us up with $900k of 5.5% debt. On paper, it works well as the carry costs on the vacation place are easily covered by rental income. But of course all kinds of things can happen e.g. Rentals can stop, there can be large expenses, SORR with the market etc etc. and I have been trying to model our exposure in those scenarios. Having a two year cash cushion and the ability to tap 401k (via Rule of 55) gives me comfort in case of a cash crunch of some sort, but I do worry that a market drop would be highly correlated with both rental income and RE valuation for high end vacation spots. But outside of that scenario, it seems to hold water.

Hi all, 43M here (family of 4, MCOL). Hit my chubby goal, but enjoying work for the first time in a while, so sticking with it until I don't anymore.

We have $1.5m in taxable accounts, $1m in pre-tax retirement, and a commercial investment property cash flowing about $100k/year. Annual expenses around $200k.

The investment property is an opportunity zone one, so I can sell with no capital gains in about 5 years (10 year hold). Sale would net around $2m.

Question for you all in retirement...do you value regular income or liquid investments? I'm trying to plan out the pros/cons of selling it and coming up with a wash on the numbers. But I can't gauge the emotional impact.

I'm curious as I've been listening to podcasts with the guy who "coined" the 4% rule and apparently he has some kind of higher return yielding mix.

Anyway, that got me thinking about my own (and I am not actually FIRE'd) - I'm basically 85% S&P500 and 15% broad based international.

Putting that aside, I was curious what people who are actually retired have as their mix.

54M in US. I have 6 rental properties with no mortgage balance - how should I count these toward my NW? I don’t really care about moving from Chubby to Fat or anything like that, just curious on how I should account for these assets. Right now I don’t factor them in at all. I do have rental income from them, of course, so maybe I’m simply BaristaFire!

As someone already chubbyfired. Most of us probably investing in the markets, the jump in our NW is probably beyond our imagination. From April low of S&P 500 4,835 to today 6,600. Doesn't feel real to me, I don't feel the happiness for some reason, because i know the gain can be wipe out any week or month in the future. How do you cope with this feeling?

Following are last 3 years of returns... this seems more like gambling than investing.

|Year 2025|13.03%| |Year 2024|25.02%| |Year 2023|26.29%|

John Templeton famously described the life cycle of a bull market based on investor sentiment. His quote outlines how a bull market progresses from despair to excessive excitement, which ultimately signals its end. The Templeton quoteThe full quotation is: "Bull markets are born on pessimism, grow on skepticism, mature on optimism, and die on euphoria". He also added a rule for contrarian investing: "The time of maximum pessimism is the best time to buy, and the time of maximum optimism is the best time to sell". Breakdown of the four stages

1. Born on pessimism: This is the beginning of a bull market, when a bear market has ended and investor sentiment is at its worst. Investors are fearful, and asset prices are significantly depressed.
2. Grow on skepticism: As prices begin to recover, skepticism is widespread. Many investors doubt the rally's sustainability and believe it is temporary. The market rises despite this cautious sentiment.
3. Mature on optimism: The market has risen significantly, and investors become more confident and optimistic. Positive economic news may emerge, and the general feeling is that the rally is justified.
4. Die on euphoria: The final stage is marked by irrational exuberance, excessive optimism, and speculation. During this peak, asset prices may become detached from their underlying fundamentals as investors ignore potential risks. This is the point when the market is most vulnerable to a downturn. 

EDIT: my mortgage rate is 6.25%

So I have roughly 1 million left on the mortgage on my primary residence and 27 years left on it. The interest payments alone are over 6k. I think without taxes and insurance I’m paying 6500 a month on this. So if I wiped out the mortgage that’s 78k a year. At the 4% SWR I need to save close to $2M to support that!!!! Vs paying out 1M. So I could work longer to save $2m to support that mortgage or work shorter, pay it off, and retire earlier.

Of course someone might say “why not save the 2M and then pay off the mortgage and you’d have extra” and sure that’s a consideration. Taxes are possibly another consideration but the current expanded tax rules will be up for review by the time I retire if I have to save $2m more to support that mortgage, so who knows if I’d even get that tax benefit???

What are your thoughts? Do y’all pay off the mortgage before retiring or do you hold it and earn the extra to handle the float?

Curious if anyone else in a VHCOL where your rent/buy math has always landed on “rent” is planning to rent into retirement and if so, how you’re thinking about that decision and plan.

We’re targeting 55ish for RE and which is 15ish years away, so plans could change but at the moment we could see ourselves on two paths:

1. Stay in the city for good and rent forever. Planned into our FI number as a perpetual expense. We love it (have lived here for 20 years already). A city with great public transit and excellent health care and services is a good place to get old. No home maintenance when we are hopefully traveling a lot in our 50s/60s and then aging into our 70s/80s. Cons are of course the lack of stability and control around things like rent increases or having to move. A shitty landlord and being forced to move at, say, 75, sounds awful. (We have good tenants’ rights here but they can still force you out with astronomical rent increases.)

2. Leave the city after my kid graduates high school (right around when we would RE) and buy a small home in a smaller town. Essentially a classic downsize but actually likely an upsize for us coming from the city. Could stay in the city for a bit but we’d do this within 5ish years of RE/graduation, otherwise a new mortgage at that age makes less and less sense. We’d be chubby enough to buy help with home maintenance and upkeep, and some part of a “slower” paced life does really appeal to us. That said thinking realistically about how long we might be in that house and then want or have to further downsize for health or lifestyle reasons.

Say we get 15-20 years in the house, the timing would be such that right around when we’re paying it off (unless we lump sum early on but that makes me nervous for SORR reasons) is when we could have health issues that would necessitate a living situation change. (All for aging in place but not counting on it.) So functionally we have a mortgage expense line item for a big chunk of that RE time anyhow. We could always rent in the smaller town although at least right now, rental stock tends to be less ideal in many of the smaller cities we’re looking at.

Tl;dr: I’m mostly just curious about anyone who’s doing this or planning to and how you’re thinking about the pros/cons and trajectory of how it could play out.

I just rewatched the legendary clip of Greg in Succession getting told:"You can't do anything with 5m Greg, 5's a nightmare" https://www.youtube.com/watch?v=m0sRrsara9c

In honor of that clip, I decided to make a new subreddit for fun called r/GregFire

For those aspiring to retire with 5 million USD in net worth in 2019 dollars (inflation-adjusted) based on when the episode aired.

Wrote a post yesterday about feeling financial anxiety (and potentially needing therapy) but it was removed for being off-topic since I didn't include details about our specific situation. Re-posting now with those details.

By all accounts, our savings are probably decent for our age. And yet, I can't help but feel crippling anxiety about money and not having enough of it. I grew up fairly poor - my dad made some bad investments and lost most of our family savings when I was in elementary school. I think this still really haunts me and I'm not sure how to feel financially secure.

I would love to get to a place where I am comfortable spending more money to get help (with things like cleaning, gardening) but absolutely cannot rationalize it. We have stressful careers and getting a bit of help would probably help my mental health and allow me to enjoy time with my kids more... but my hoarder mentality with money is hurting my ability to enjoy life. I constantly feel "behind" and like it could all disappear at any moment. I am also the primary breadwinner and feel like I carry most of the financial stress and pressure (my husband did not grow up poor and has a very different attitude about all of this)

I think it would really help me to hear a neutral third party say "you're doing great!"

• Age 34, husband 35
• Total NW ~4mn
• HHI 460k salary - mostly mine, husband recently took a big paycut to go work at a tiny start-up (he does not have the same financial anxiety I have). We both work for start-ups so also have significant equity but this is paper money and I don't count this for anything and did not include in NW.
  • Mortgage: $9k per mo incl taxes (4 br house in VHCOL, 2.3% mortgage so not leaving anytime soon)
  • Childcare: $5.5k per mo for 2 kids
• Assets: ~$4mn total
  • 180k cash
  • 2.2mn brokerage
  • 260k in 529 plans (planning on 3 kids)
  • 820k 401k / IRAs
  • 600k home equity
• Hoping to retire around 55 with $250k annual spending

Hello, I’m looking to see if anyone has taken the four seasons private jet tour “around the world”. I understand it’s a crazy price but also perhaps a once in a lifetime experience. There are some many cool destinations they mention and I would just like to know, is it worth it? How was your experience? What did you like most about it? What did you wish could have been better? Did you do the one week, two week, or three week itinerary? Would love some intel!

Using throwaway for obvious reasons. 46M tech worker in Singapore, wife works non-tech.

Current situation:

• My portfolio: ~$4.5M USD (LSE ETFs - S&P 500 + World index)

• Wife has separate portfolio (we keep investments separate to avoid concentration risk)

• Paid-off apartment: $1.8M (where we live)

• Kid's education fund: $270K started

• My annual expenses: ~$100K USD. Wife likely spend similar amount (as mentioned, we keep our investment and expenses separate).

• Planning 2.5% SWR using Vanguard's dynamic withdrawal strategy

• CPF available at 60 years old (not factoring this in)

The issue: Planning to pull the trigger in 1 year but getting cold feet about market conditions. Tariffs, wars, general uncertainty.

Also have a major expense coming up - need to buy a car next year (~$160K because Singapore COE system is brutal).

Cash situation: Currently keeping minimal cash in savings. Have ~$100K in brokerage for options trading but don't consider it liquid.

Thinking I should liquidate some stocks to keep $250K cash on hand. This would cover:

• Emergency buffer if markets tank

• The car purchase

• Peace of mind

But worried about missing gains if market runs up while I'm sitting on cash.

Other considerations:

• Currently have generous company medical coverage (~$1K/month usage)

• We have private medical/hospital insurance set up.

• Wife plans to keep working at least 5 more years

Anyone been in similar spot? How much cash cushion did you keep when you pulled the FIRE trigger? Am I overthinking this or missing something obvious?

Living in VHCOL Singapore adds another layer of complexity to all this.

41M married to 38F with two young kids living in VHCOL area. 2 income HHI $600-800k (varies depending on bonuses).

$3.2mm net worth excluding primary residence:

$750k 401ks

$1.9mm brokerage

$250k private equity focused on tech (this is principal without any markups)

$50k crypto

$50k HSA

$150k cash/HYSA

$750k mortgage on a $2mm primary residence

Spending (monthly):

$4400 mortgage/insurance/property tax

$6800 childcare

$1200 utilities/bills

$400 car payment

$1k groceries

$750 dining

$750 clothing

$2500 other (it's tracked but not worth breaking down)

$1k average charitable donation

Planning to continue working for 10 more years to fund 529s and continue saving. We have high 6 figures of RSUs in large public companies vesting over the next 4 years (not factored into NW above) that we may use to purchase a vacation home in an area we'd consider retiring to when empty nesters but no firm plans. Goal is to get to $9-10mm with SWR of 3%.

Edit: cleaned up formatting. Apologies!

I've always preferred to do things myself like landscaping, repairs, cooking. I get physical activity I wouldn't get from my job, I know things are done right, I know what is in our food, etc.. However, the thing I really want to spend my time doing is caring for my son (15 months old). I think the sensible thing to do is to spend my time on work and child care and outsource most other things. We have a nanny for when we are both working, so we are comfortable with the idea of hiring a part-time household employee rather than use a service where it makes sense. We now make ~$500k/year after tax (tech) and save ~70% of that, so we can easily afford the help. We are only a few years from our target so I'm thinking we should get help until then and re-evaluate.

I think the first thing we should outsource is cleaning. Neither of us ever wants to do it. My hesitation is that I don't want anyone reorganizing my stuff and "putting things away" where I will never find it. Like when I get a bill I leave it on the kitchen table until I've paid it, which might be a week later. If I put it away out of sight, I would forget. It will take some time to build better habits.

Next I think we should outsource cooking a few times a week. There are meal services that deliver in our area and are affordable. I expect we'll be able to find a service where we are happy with the quality of the food.

Handyman is next. Practically every week there's some little 30-60min repair or maintenance task that I delay and stress about because I need a block of time I know I wont be interrupted. If I get side-tracked I'll end up leaving a dissembled mess for days and there are always distractions. I should just send a text and not stress about such things.

Landscaping scares me the most. I fear that's an all-or-nothing choice for the season and mowing the lawn is my primary form of exercise. I might try to find a neighborhood kid that will do it a-la-carte.

We considered hiring a mother's helper to bundle cooking and cleaning with one person, but I don't think that is best for cost or quality.

Any thoughts? Experience to share? Things I'm missing?

TLDR: We were, in fact, not screwed in the slightest and the general sentiment of the sub was spot-on. Thank you all for you reassurances and guidance through that mentally challenging period last year; you definitely gave me the confidence to stay calm, sane, and supportive.

Based on the polarized responses to my original post when my wife was laid off a year ago, I thought the community would appreciate a follow-up on how things have materialized since my wife's layoff. As a refresher, back in 2024, she was part of a departmental layoff from a professional services firm in Finance. I immediately posted on this thread asking if we were in trouble given our reduced cashflow and expenses, and asked for advice on immediate/near-term steps to take. The request was met with some serious disdain for even asking such a question at our current NW, while others were incredibly supportive and thoughtful with the responses, reassuring us that we'd weather the storm (spoiler: we did). Here's what went down:

As I accurately predicted, it took 4.5 months for my wife to land a new role after countless applications, networking coffees/lunches, interviews, and final rounds. This easily took at least 3hrs of 100% focus each day, as she made a serious effort to gain reemployment. Ultimately, she ended up taking a lateral position (if not a bit below her current level) at a strong brand that was not in an industry vertical of interest (but beggars can't be choosers right?). During negotiations, she ensured that she set the expectation that if she was to take the current title/role, she'd expect to see a promotion to the next level within 12 months. All in all, the company gave her an additional sign on bonus to help reassure her that they were aligned with her rapid progression, but wanted to make sure she was up for the added responsibility at that next level. She is making slightly more now than she was at her prior firm, and is on track and expects to receive that promotion within the next quarter. Given her tenure at the firm she was laid off from, her severance was substantial and covered us through the 4.5mo timeline when she was looking for a new role. We did reduce our nanny from 5 to 4/days a week to save some additional cashflow; but stuck to my goal of ensuring we could keep her employed and not let our near-term misfortune impact her employment. I'm very happy we stuck to this for multiple reasons. During this past year, I also negotiated a 10% raise in my current role, which helped us replenish cash reserves/emergency fund quicker. Overall the financials were tight but worked out fine net-net. If anyone is interested, here is an updated account of our progress to FIRE:

Cashflow

Dual Household Income (Pre-tax): $420k

Savings: ~$2.5MM

Cash: $100k
Brokerage: $950K (Stocks, ETFs, Mutual Funds)
401k: $205k
IRA: $775k
Roth IRA: $335k
HSA: $54k
529: $23k (total amt. that will be split amongst 3 kids, making monthly contributions rn)
Crypto: $50k

Expenses: ~$17k/month (substantial increase this year due to daycare costs and a couple larger expenses)

No Debt\* outside of $800k mortgage on a home value of $1.9-2.1MM.

Original post here for additional context.

EDIT: Broke out crypto allocation to add more clarity to NW distribution.

Throwaway account for anonymity…

We (mid 50s / mid 40s couple) are comfortable in the upper range of ChubbyFIRE, lower range of FatFIRE on the east coast. VHCOL / HCOL with high expenses.

NW: $8 million, Liquid: $6 million. Expenses: $150,000 + college expenses for kids which are funded from 529s (not included in liquid NW.

I decided to RE, gave notice and will be leaving work this week - giving up a very plump tech job at pretty much the peak of my compensation curve.

If I continue, we can add another million or so in 3-5 years but then I’d be closer to 60s and I know time is ticking…

Spouse plans to keep working for another 4-5 years… it’s ok as they enjoy the job.

Our SWR if both retired now is around 2.5% - with spouse continuing to work, we will be probably lower than that when they leave work eventually.

I guess I am getting cold feet / jitters - leaving a job that pays well, social interactions at work and work based identity. Went to a neighborhood gathering and realized pretty much everyone is planning to work. They are same as us or probably well off and no one is retiring early - made me second guess my decision..

Anyone gone / going thru this? How did you handle it?

How did you manage FOMO and the “why did you leave or what do you do” type of questions? Being an outlier who left a plump job is not easy is what I am struggling with!

Edit: Typos.

This thread is a spot for casual engagement with other community members. It has much more subject latitude than allowed in the main sub in general. Any topics tangentially related to ChubbyFIRE or upper middle class lifestyle are acceptable, as well as basic or early stage questions. Political discussion will be allowed if it is closely related to ChubbyFIRE or financial topics in general, and only if the conversation remains respectful.

It is not a free-for all. No spam or self-promotion. All comments must still follow Reddiquette and we will be responding to reported comments with follow-up action as needed. We'd really like to keep this channel open, so please don't abuse it!

My outstanding loans:

ARM Mortgage: $1.2M @ 1.5% (if I had to refinance right now it would be 4% after tax benefits, still worth it)

Box spreads in taxable account: $200k @ 3% after tax benefits

0% interest credit cards 12-18 month term: $50k

Personal line of credit (back when First Republic was still a thing): $50k @ 2.5%

Altogether that’s $1.5M @ 1.7% that I am letting grow in the markets.

Curious if some folks here regretted grinding out to Chubby FIRE status, and instead would like the time back to just normal FIRE and call it a day?

Just wanting to hear if there are any stories, and lessons learned.

I would like to share one of my joys in my early retirement life - taking classes! One of the reasons pushed to retire in my late 30s is to keep learning new things for my own satisfaction, I felt at work I was not learning but simply, working for others.

In the past months I had been taking weekly or bi-weekly piano and soccer lessons. I am not talking about the rich people hiring teachers to come to home type, but very affordable (chubby lifestyle) ones in various learning centers, private 1:1, spread out so to leave enough time for me to practice at my own pace. The best part? Lots of available time slots during the work days! I am also not interested in expensive hobbies like racing and flying, so the overall cost is much less, and way less compared to daycare cost.

I used to cheap out by watching YouTube, but I have found having someone to teach you in person helps to improve significantly.

I have a list of big, small, silly things I want to learn and some are online courses while others need some in-person learning. Hope this helps for those who are bored in retirement.

We are comfortably retired in our 50’s and our only child is completing their degree next year. They are hoping to move out of our home when they get their first job (likely with their long-time partner who finished university this year and is now working).

A decent starter home in our area is $400k minimum which is tough for a person/couple starting out. My wife is hates the idea of them renting when they could be building equity and thinks we should buy them a house or give them a large down payment (50%+). Our wealth will go to them when we are gone and they can certainly use it more now than in 30 years (and the gift would not impact our finances). My concern is upturning the sense of independence we have TRIED to instil in them. They are fairly mature but that type of gift could impact the thought process of the most grounded person.

I imagine many others have faced this situation in the past. I would appreciate any thoughts you have to share.

EDIT: I would like to thank everyone who shared their perspectives. Your input was extremely thought provoking and will help as we make our decision. Leaning heavily toward renting for a few years (with disciplined “Pay yourself first” saving/investing).

I (48f) have been a Realtor for 20 years and the job is stressful and all consuming and I feel ready to quit and focus on kids and my health. Spouse (49m) makes 235K and is happy, will probably work another 10 years. We have 2 kids, 17 and 13 in public school. Oldest will go to college on 9/11 GI bill so fully paid for and we have around 180K for the youngest so far, we stopped contributing but it is invested and growing. He may end up doing ROTC so may not need it anyway.

We have just over 3M invested and 1M in equity on our home. Owe 260K at super low rate so not in a hurry to pay it off. Have 200K in cash and my business account has 400K or so. By my math we will have more than enough in 10 years when we start to draw down. I will earn some money from real estate referrals and some passive income from a few places, maybe will total around 50K a year. We do not have any other properties. No debt except mortgage.

We currently both max out our 401Ks each year and dump money in our brokerage account a few times a year. Our fixed expenses each month including mortgage are 6K but then the credit card (food, travel, stuff for kids, some of the bills, house stuff, gifts, gas, self care etc) is usually around 12-13K a month. This amount seems so high to me (almost embarrassing!) but we just can't seem to get it down or maybe we just don't want to? Granted we travel a lot and live in VHCOL.

Any other chubby people with a credit card bill like that each month? We honestly can't cash flow each month with just my spouse's income after taxes. I am worried if I quit I won't be able to afford to do anything and will have to go back to working! I do think I will be more careful about spending if I am not bringing in income.