I'm feeling FIne at 850

 Yes friends! I am declaring myself FI. Work is a source of anxiety and stress. And right now a bit uncertain. I'm waiting for a Coaching Plan. I'm waiting to hear back from a job I could do in my sleep. 

Such is life. This is why we do this!

I took a wee trip to the lake and found some clarity.

At 850k, 

4% withdrawal is: 34k/yr

5% withdrawal is: 42.5k/yr

The 4% withdrawal rate is a bit short of the 40k I had in my mind (but also tons more than my original 20k/yr). So I can either withdraw 5%...which I'm totally okay with it for a couple reasons - I don't need to live till age 80; my index funds should continue to make money over time; and in 20 years, I'll be around the age for social security. And let's face it... I've done so well for myself.

Or I can do 4% withdrawal and supplement with dividend income. I don't know the long-term certainty of this, but right now my friend suggested a fund that is paying me 2k/mon. So, I'll only need 10k/yr from that.

So, I'm good!

So I'm just focusing on 2 financial goals at this point:

- Earn/Allocate $5k for East Africa trip.

- Pay off car.

- Allocate about $900 for furniture. 

This is doable! Just realized that was 3 things. I put the furniture on there just as a reminder. 

But yeah. I was looking for a way to think about my next steps/plan. I think it's easy just to consider myself FI and just trying to gamify the system.

I felt myself getting a bit desperate and I don't want that for myself. 

I controlled for what I could.

I mean let's not forget the physical pain I'm actually in. 

I wish there were another way to juice a little more from this orange. But I think this is it. Don't get greedy, MERJ!