A few years back, right as our non-retirement liquid assets were creeping up toward the $4 mil mark, our financial adviser suggested we bump our umbrella insurance limit from $1 mil to $4 mil. We just went ahead and did it. Well, last year we officially crossed that $4 mil threshold, and looking at our current trajectory, it’s highly likely we’ll hit $7 or $8 mil in the near future... hopefully locking in our early retirement. Now the big question is... do we scale up our umbrella coverage to completely match our non-retirement assets? (From what I gather, our primary home and retirement funds are mostly shielded from litigation anyway). I’m honestly not even sure if our regular, everyday insurance carrier - we just do the basic auto + home bundle with them - even offers options beyond $4 or $5 mil, or if we need to transition to high net worth insurance at this point? For context, neither of us is in a high-risk or litigious profession, we are both corporate W2 employees, and we don't own any side businesses or rental properties. Everything is just tied up in index funds. Just to clarify since a few people might ask - the adviser who originally told us to increase the limit to $4mil doesn't actually sell insurance products himself and had zero financial gain from giving that tip. He's a strict fiduciary. When WE did up the limit last time, our standard insurance company grilled me pretty hard over the phone about why exactly I wanted to increase it so much before they finally pushed it through. Just to give you the full financial picture of where we're at. We currently have roughly $1.2 mil in a 401(k), about $400k split between traditional/Roth IRAs, and around $5.5 mil in taxable brokerage accounts. We also have a house worth about $850k that is completely paid off. My understanding is that even things like the 401(k) have federal protection limits around $1.5 mil, so we might be hitting the ceiling on that side of things too. What do you guys think? Do you keep expanding your umbrella limit indefinitely as the portfolio grows?

Throwaway account. Mods, feel free to remove if this is not appropriate. Think we're (early 30's DINKWADs) ready to pull the trigger and quit our jobs / possibly retire but wanted to get a sense check from the community here, as we've been avidly following for the last 6+ years and value the collective wisdom. We currently work in finance + consulting and make \~$900k HHI. The pay is obviously great and painful to give up at this point in our careers, but the stress has become untenable for both of us (one of us just went to urgent care for what seemed like a panic attack) and we're somewhat frugal by nature so this has always been the goal (share a 15+ year old car and last year saved \~80% of post tax income, though do love to travel and have some slightly expensive hobbies). Net worth is $4.5M, broken down as follows: * $2.0M Brokerage, mostly in VTI and VXUS * $1.1M Pre-tax 401k, of which half is in target date funds and half is in private equity investments through employee co-invest program * $0.8M Secondary home with no mortgage in MCOL city but would become primary residence once we leave our current VHCOL where we're renting for $5k/month * $0.3M Vested equity carry (likely to be 2-3x this amount in 2-5 years, but valuing it conservatively) * $0.3M Irrevocable trust that holds commercial real estate (also valued conservatively as it's a minority stake) * $0.2M Roth / HSA * $0.1M Cash (this is low because we have been using excess cash to pay down a portfolio loan and are also expecting some deferred comp to pay out another $150k post tax over the coming months) * \-$0.3M Portfolio backed loan at 6% interest that we're planning to pay off shortly Excluding interest / principal on the soon to be paid off loan, we'd be spending $100k per year after moving, which includes ACA health insurance premiums at a \~$60k expected MAGI and $25K on Travel & Entertainment. No kids (and don't currently have plans to), but if we changed our minds that could potentially shake up the plan given the expense. One set of parents currently gifts $38k per year (and has for the last several), and has made comments about how we'll be inheriting likely $10M+, but of course we don't count on that and hope it is not for a very long time as they're in their early 70's. There likely could be another $5M+ from the other set of parents but not factoring it in either. Seems like the math says we're good, as we'd be at a 2.6% withdrawal rate (off NW excluding home equity), which ticks up to low 3% depending on if you want to further haircut some of the less liquid investments (though I feel very good about them based on fund history / trajectory). We of course could always try to pick up other jobs down the line for less pay / less stress, and maybe would do that if we were bored / had to, but thinking we'll have plenty to do with travel, hobbies, hiking with our dog, working out, swimming in our pool, cooking, reading, spending time with family and friends, volunteering, and honestly just getting to unwind for a bit after what has been almost a decade of 60-80+ hour work weeks, lots of work travel, always being on call, etc. In terms of withdrawal plan, we'd plan to do annual Roth conversions at least up to the standard deduction, and then take advantage of the \~$100k of tax free cap gains for married couples while we wait for some of the illiquid investments to convert to cash over the next 3-5 years. And from a logistics perspective, barring everyone here thinking we're crazy, we're planning to tell our employers over the coming weeks / months, and then move into the house we own in the income tax free MCOL. Sorry for the long post, but wanted to get gut reactions from the group here on if this all seems reasonable or if you think we're making a big mistake?

Hi ChubbyFIRE folks, EDIT: I'm going to put more detail up here and rewrite it to be clearer. Age: 44 Spouse: 43 **Income**: $115k/year (spouse W2, plans to keep working for a few more decades) $10k/year employer 403b match. **Investments**: Taxable (joint): $760k HSA (me): $135k Trad IRA (me): $983k Roth IRA (me): $1.115m ($410k basis) Roth IRA (spouse): $220k ($80k basis) 403b (spouse): $635k Total investments: $3.87m **Real estate**: $1.5m primary residence **Debt**: $330k mortgage @ 2.375%, finishes in 2036 (payments are $54k/year, $40k is P&I) $55k solar install @ 1.99%, finishes in 2047, payments are $3.2k/year $156k box spread debt (current cost to buy back) @ 4.2% (3.36% net after capital losses from interest accrual). I am going to pay this off, see below. Portfolio: \~3.7m **Current Spending** Federal taxes: $6.5k (note: this was with $27k in cap gains, we are almost out of low basis lots though so taxes are going to increase going forward). State taxes: $5.7k Debt payments + property insurance/taxes: $57.2k (drops by $40k nominal in 2036). Other essential spend: $90k. Discretionary: $45k Portfolio withdrawals: $90k gross, $70k net ($90k comes out for spend, $20k goes into 403b, $70k net impact to overall portfolio value) There are two bridge periods. The trad IRA is at Robinhood and subject to a 3% transfer bonus retention period until 2029 and it is not safe to SEPP from it before then. I turn 59.5 in 2041, my wife in 2042. At that point the 10% early withdrawal penalty falls off the IRA, the 403b becomes accessible, and the roth earnings can be withdrawn tax and penalty free. If my wife leaves her job (no current plans to), the 403b would be rolled into a trad IRA and become accessible earlier (with the early withdrawal penalty). We have no legacy aspirations and are aiming to die with $0. I have been running some portfolio amortization tools lately (TPAW) and seeing that we are likely to be quite over-funded later in life. And we'd also like to spend more money now, if we can do so without significant risk to our base lifestyle. And we would like to pull more spending forward as we are less likely to want to travel/do as much in our 70s/80s/90s. I've run numbers on both the bridge-accessible funds over the bridge period, and the entire portfolio out to age 105 and it seems we can increase spending by roughly $50k-$60k annually right now, so long as we adjust down appropriately when the market drops. First, I am going to pay off the box debt. I took it out recently and won't take a big tax hit to pay it off. Aside from the fact that almost any financial planner wouldn't advise it and that we don't need the extra return it brings, it ties up too much liquidity in the taxable account. With our current spending I might stubbornly hold onto it, but if we are going to increase spending I need to close it out. I know between HSA (penalty/tax free for saved medical receipts) and Roth basis that I should use the HSA first. Should we drain the taxable account completely before tapping the other buckets? I am leaning towards not SEPPing the IRA, or only SEPPing part of it, so that we can increase spending if the market has good returns. If we SEPP the whole thing I think that adds a good chance that we have a big gap-up in spending when we hit 59.5 (to avoid dying with a large surplus), and we'd rather pull that spending forward if we can.

Hi all, looking for a sanity check on our FIRE plan. We're targeting retire-early around 45 and want to pressure-test whether adding a home purchase and a second kid keeps us on track, plus general thoughts on sequence-of-returns risk (SORR). Quick picture: M32 (almost 33)/ F31 (almost 32), one kid under 1, planning a second around 2027 VHCOL (SF Bay Area). Currently renting at $5,400/mo, which is well below what a comparable mortgage would cost Income: I'm in enterprise tech sales (W-2 base plus variable commission). My partner is currently a stay-at-home parent and runs her own ecommerce business part-time, drawing a modest salary from it. Household income is \~$222K base plus \~$150K variable, so \~$372K at full OTE Current annual spend: \~$132K (\~$12K/mo) for a family of three Savings while we're both working: roughly $40-50K in a soft commission year up to $100K+ with variable No real debt (cars owned outright, tiny portfolio line of credit) **Net worth, \~$2.25M total:** FIRE-investable base (what I actually count toward the number): \~$1.84M Taxable brokerage and roboadvisor, mostly low-cost index funds: \~$1.49M Tax-advantaged retirement accounts (401k/ IRA): \~$306K Note: \~$77K of the taxable side is a concentrated single stock left over from a former employer that I keep meaning to diversify into index funds The heavy taxable tilt is intentional, since most of the money is reachable before 59.5 to bridge an early retirement Cash: \~400K, but $385K of that is earmarked ($200K home down payment, $150K emergency, $35K set aside for taxes). \- Allocation is heavily equity-weighted right now with a light bond/cash sleeve. I plan to build a larger bond and cash buffer as I get closer to RE to manage SORR One thing I deliberately exclude from the base (treated as $0 until real): \- Pre-IPO RSUs from my current employer. One-year cliff that clears in 2027, and there's a potential liquidity event in the next \~12 months that could increase the value meaningfully. On paper it's a decently large number, but l don't count a dollar of it until it vests and is liquid The plan and the SWR math: Target RE age 45, about 13 years out, everything in real (inflation-adjusted) dollars If we kept renting at today's \~$132K spend: a 4% SWR implies \~$3.3M, and a more conservative 3.5% SWR implies \~$3.8M But the real plan includes buying a home (\~$2.0M to $2.4M in our area and a second kid, so I model a higher retirement spend of \~$160K to cover a mortgage, property tax, our own ACA healthcare, and the second child. That pushes the number to roughly $4.0M at 4%, or \~$4.6M at 3.5% Sequencing idea: let the 2027 equity event resolve first, use that liquidity for the down payment and closing costs so it doesn't compete with the FIRE portfolio, then keep the portfolio compounding toward the RE number Rough trajectory: \~$1.84M today compounding at \~6% real with $55K to $120K per year in contributions clears $4M by 45 even before any equity upside. I treat the equity as asymmetric upside, not part of the base plan What I'd love input on:  Does the sequence (resolve equity, then buy, then keep compounding to RE at 45) hold up, or am I underrating SORR by having a big illiquid equity event land right around the time we'd lean on the portfolio?  At a price-to-rent ratio around 34x in our area, does buying even make sense versus renting and investing the difference?  Anything in the second-kid cash flow or the ACA / healthcare assumptions I should stress-test harder? Thank you in advance!

Approaching FIRE next year. Six months ago I had $4M liquid, 10% of which I had in cash/fixed income. Then, seeing the run up in AI hardware, I just couldn’t help myself but buy into a few single stocks (SNDK, WDC, ARM, STX) with $200k of my cash. Those are now close to $800k (total portfolio just hit $5M). Selling it all and returning to cash would incur a ton of taxes. Instead, I am thinking about just keeping the positions and mentally accounting for it as “cash”…. Even if it crashed -75% I’d still be where I started. In the meantime I would *hodl* until the lots hit LTCG status and then liquidate up to the 0% tax bracket each year of FIRE. Good idea, bad idea, or terrible idea?

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!

I am a DIY investor approaching early retirement (<1y) and have been self managing my portfolio. I use Boldin for retirement modeling, Monarch for budgeting, and am comfortable with the numbers. I am not looking for ongoing AUM management. I am seeking for an expert second opinion from a fiduciary who can review my plan, stress test my assumptions, and flag anything I may have missed. Ideally I want someone who charges a flat fee or hourly rate for a one time engagement, and/or possibly an annual review for the next few years until I build strong confidence in my plan. My focus areas are Bridge Account, Roth conversion strategy, Social Security timing, tax-efficient withdrawal sequencing, and MAGI/IRMAA management. Like many people here, I have been telling myself "just one more year" for the past 2 years. My Monte Carlo simulation is running at 90% and I feel ready, but the golden handcuffs keep pulling me back for one more year in corporate prison. I am targeting 2027 and cutting this handcuffs off. I am specifically looking for an advisor with **deep experience** who can provide informed, independent judgment, not someone who relies mostly on tools like RightCapital or eMoney to drive the scenario assessment and answers. I have looked at NAPFA and identified a few local firms, but would value recommendations from people who have actually worked with a fee only advisor in the SD/OC/LA areas. Any names or experiences — positive or negative — are appreciated.

Using a throwaway so I can be more transparent than normal. We lean expatFIRED at a relatively young age a number of years ago but continued to work on lots of various projects for fun and to potentially hit it big. After a variety of paths that didn't yield a whole lot, we stumbled into an amazing opportunity that perfectly suited our skills, experience and resources, and we ran with it at just the right time. Our timeline for NW in USD: 2017-2023: fluctuated between 1.6-2M mid-2026: \~5M projected 2029: \~8M We were always very leanFIRE-minded and somewhat out of nowhere we've leaped into Fat trajectory. Is this kind of transition rare? Obviously most people who RE aren't expecting to jump levels, but at the same time there must be people who experience a major windfall, or a boom in their investments, or an unexpected opportunity like we did. I was quite content with leanFIRE for many years, particularly since our geo-arbitrage allowed a pretty comfortable QOL, so there are certain aspects that are warping my brain a bit. For example: 1. Safety/security is something I worried very little about before and now I'm wading into this absolutely overwhelming new world of products, services and research. Is it necessary? Should I change how we travel with respect to safety/security? 2. How drastically should I change how I approach privacy? In the past I've spoken very openly about our leanFIRE journey. I've been on lots of podcasts, shared info with family and friends (including new ones), etc. But we've likely reached a point where we should not be so transparent. However our business has put us in the spotlight so it's not that simple. We're not the face of the business to our customers, but we certainly get attention on the business side which includes earned media and it would be very easy for people to assume we have a lot of money. In fact, it's likely that many people overestimate our wealth lol. Thanks for your thoughts!

I’m 35 with a 250k income and $2.8 mln NW. I’m a bit burned out at work and believe if I was just supporting myself I’d retire (my original target when I started saving for FIRE was $3 mln). However my girlfriend is in residency and very possible we start a family with a kid or two. Given her income potential and debts I have it in my head for myself to keep working until $5 mln. She says she would continue to work given she’s very passionate about her work, and probably since she’s barely into her career I don’t have a great gauge on how to set our target goal. We spend about $100k between the two of us as it sits today. In my head with a future family with kids maybe estimating $150k spend. Given these figures does $5 mln seem reasonable to account for future family plans? Not sure how other couples with kids have planned

Original Post: https://www.reddit.com/r/ChubbyFIRE/s/x4tBAGrXZ6 I posted here in the fall wondering if working another 6 months was worth it. I ended up retiring late May and all I can say is, the six months really helped me mentally prepare and say my goodbyes. I was more concerned with the financials (big 2025 tax bill I wanted to pay off.) The answer there is that it probably did not matter. I’m not sure how I would have felt if we didn’t have the incredible run we’ve had this year but seeing my portfolio bounce the way it has day to day makes the thought of working seem silly. But the mental preparation was huge. The last few months I slowly started telling people (the more I trusted them, the earlier) until finally in late February I made it public. Response was overwhelmingly positive. A few offers “what if we” but almost unanimously “great, congrats.” End date was end of April but a couple of trips were re-scheduled to May and I wanted to go to say my goodbyes to people I’d worked with for over a decade. All agreed and it was great (and cured me of wanting to travel for a while.) I spent most of the last month (between travels) prepping the people who would replace me. Built a bunch of “current issues” documents and moved a ton of files from my personal drive to team shares. Everyone has my number and an open invite to ask about stuff I was primary on. Pretty much got to walk around like an emeritus. Was a ton of fun. The past couple of (retired) weeks have been awesome. Everyday is a Saturday without having to rush through the things that need to get done. I’m busy as hell but never rushed. I still schedule the hell out of myself but there is zero anxiety. I went to Costco on a Tuesday. I golf when I’m hiding from housecleaner. I have a DIY portfolio that is a complete mess so I play with that some. Days are good. No real point to this post but maybe a little cheerleading. If you can and are wondering if you should: you should.

For those of you who are retired early, what does your allocation look like? Are you following the 60/40 stocks/bonds split, the golden ratio portfolio, 120 minus your age in stocks. I know this is subject to a bunch of situational variables that are going to change for each persons case but I'm just curious if you consider yourself chubby (LOL), how risky are you in retirement?

43M, targeting retirement at 50. Am I overshooting? Current situation: Associate Director in biotech earning $177k base + bonus + RSUs Military retirement related income: $93k/year Healthcare is largely covered through military retiree benefits. Rental property producing $25k/year net cash flow Investable assets: $850k Rental equity: $350k Current net worth: $1.2M. My plan is to continue working until age 50 and invest aggressively. Projected age 50: $2.1M investable portfolio $500k real estate equity 2.5M total net worth Military retirement income projected to $110k/year Healthcare is largely covered through military retiree benefits. Rental cash flow projected to $40k/year Total recurring income floor would be roughly $150k/year before touching the portfolio. My target spending is only $120k/year. Because of the military retirement income and rental cash flow, I likely wouldn’t need portfolio withdrawals to cover basic spending. Would you still work until 50 in this situation, or would you consider retiring earlier?

I retired earlier this year. I have a balance in traditional retirement accounts and I want to do Roth Conversions every year up to the top of the 24% tax bracket. I have never done this before, so please help me understand if I am screwing anything up. Here's my thinking. 250k Estimated income 60K Trad 401k contributions (made before I retired) 24K Standard deduction head of house hold \_\_\_\_\_\_\_\_ 166K Taxable income (250-60-24) 197K. Top of the 24% tax bracket, so this gives me 30K. Amount I can convert at 24% tax (197k-166K) Does this look right?

I'm preparing to retire soon, and my portfolio is currently mainly in VWRA. Because I am focusing more on wealth preservation and managing drawdowns, I decided to experiment and ask Gemini for optimal portfolio allocation advice. Interestingly, it proposed adding DBMF (a managed futures ETF) to diversify. To test this out, I used Claude to simulate how the portfolio would perform with different VWRA and DBMF splits. I also asked Claude to use reconstructed data for the pre-1990 values so I could see how it holds up over a much longer timeframe. Here is what the results showed (see [here](https://ibb.co/sv5X4P4V)) \* A 15-20% allocation to DBMF seems to be the optimal sweet spot. \* This split provided a really good trade-off between lowering maximum drawdowns (great for sequence of returns risk) while maintaining high returns. Has anyone else here used Gemini or other AI tools to ask for optimal portfolio allocation or drawdown strategies? Did it suggest anything surprising, and did you actually implement it?

I’m struggling to put value on ACA credits comparing a few different strategies. M37, HHI $500k, 2 kids under 5. I think post tax annual spend without mortgage would be around $130k, and with the mortgage about $160k. Mortgage rate is 3.4% and has about $440k debt. It looks like I would save about $4300 per year with ACA subsidies if I kept the MAGI at $85k, which feels pretty doable without the mortgage payments (cash, principle on liquidated investments, ROTH withdrawals to bridge the gap between $85k and $130k). Where I’m struggling is the mentality that the mortgage rate is great, keep investing at better returns and happily pay the mortgage at 3.4% for another 15-20 years, versus start aggressively paying that off to give myself a better chance at qualifying for ACA subsidies come early retirement in about 3-5 years. In the end these subsidies are $4300 per year, not going to make or break any strategy and perhaps more of a hassle/detrimental to the overall plan to try to achieve these by tapping into ROTH withdrawals early, paying off the house early rather than hucking those dollars into the market, etc. Just looking for advice as someone who is pretty new to the fire mindset, not great at math or investing, but recently checked numbers and feel like I could be a few years away.

**Tldr**: Late 40s | $5.7M USD Liquid | $140k Annual Spend. Retiring next year but getting cold feet. Is my cash buffer strategy sound? &#x200B; Hi all I'm in my late 40s, married with a 13-year-old kid, and am preparing to retire sometime next year. I live in Singapore, which is a high-cost-of-living country (note: Singapore does not have a capital gains tax). Here is a breakdown of my current financial situation (all figures in USD): **Assets & Portfolio** * $5.5Min IWDA/EIMI (90/10 split). * $270Kin SGD-denominated money market funds. * $380K in a separate child education portfolio (all in IWDA). * Home: Fully paid off. **Liabilities & Expenses** * Annual Expense: $140K. * Car Loan: $85K outstanding. I am on schedule to pay this off in 4 years (I cannot speed up the payment as the bank will charge a penalty). **My Retirement Strategy** I plan to keep around 3 years of expenses in cash/liquid assets. I will build this up by selling current stock and using my salary while I continue working until retirement. This is to ensure that I will not have to sell equities during a market crash. In a downturn scenario, I can likely reduce my spending to $120K yearly, meaning my cash buffer would last 3.5 years. **Questions:** 1. **Is my cash buffer sufficient?** The cash/money market fund portion of my portfolio will likely be around 7% of my total portfolio ($420K / 3 to 3.5 years of expenses). Is that enough in your opinion? I've read that the normal recommendation for a retirement portfolio is 20% in cash. However, I think that will significantly reduce the growth of the portfolio (I plan to leave a will for charity/my child). Ultimately, I think it makes more sense to think in terms of annual spend instead of a proportion of the portfolio. 2. **Does the above look sufficient for retirement?** I came from a family where money was often not enough, so I'm getting cold feet as I think about actually retiring. Thanks for the help.

I was fired from my job and don't have any desire to work anymore. I am 29M and have $3.1M mostly cash/liquid and about 20% in retirement -- it's a clean number for example I include car loans as liabilities, but not their corresponding assets. Same with jewelry, personal belongings etc. I am about to get married so have a $100K wedding to pay for, we don't own a home and fiance still works, but only making $100K HCOL and don't own a home, no kids, but want kids. Very tough spot to be in, IMO. I don't feel secure for the future, and probably won't until I hit $5M+, but I have no burning desire to go work again. This is not a troll post, I am curious if anyone has a similar experience and can weigh in. Maybe I wait it out, sometimes best thing to do is nothing, and in 2 years we wind up at $5M, maybe there's some critical inflection point where I really need to get a job ASAP even temporarily to best set us up.

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!

Hello all, relatively new to the FIRE world. We are a 40s couple and I'm starting to scrutinize my retirement much more now. My target retirement age would be 57. Does that count for 'early' retirement for this sub? And our target retirement income is 200K a year. Here are my particulars: 1. currently 2.2MM invested across 401K, Roth IRA, and a brokerage. 80% is in the 401K. So a good chunk is not accessible 'early' 2. 3 elementary school kids (important to note since they are expense and can impact our retirement saving). We have about 100K in each 529. Oldest child is 10. I'm heavily leaning towards stopping the investment here. 3. WE have a mortgage (7K all in PTI, but only 5 years into a mortgage) 4. I'm concerned about my long term employment prospects so I have 85K emergency fund (I made this basically 1 year of mortgage expenses) 5. no other consumer debt outside of the mortgage My goals / questions: 1. given our invested now - and my goal for retirement income by age 57 (12 year horizon) I would need 5MMish. I think I'm on track for that and I use a 6% return estimate. Truthfully we have not been great about saving, but maxed our 401ks and rode a great bull market. The market is all over the place and I thought 6% was conservative, but I see others modeling 5%? and inflation doesn't seem to be getting better. Should I use 5? this would change my outlook a bit 2. Should I divert funds from my 401K and into a brokerage to make it accessible early? 3. My retirement income does include my mortgage payment. We live in a HCOL area with high property taxes. While not ideal because we love the area, I'm contemplating using our home equity and moving after the kids are in college to get out of a mortgage payment. I'm anticipating continued expenses we would like to 'consider' at least, for our kids (wedding, family vacations, etc.). this would help in that regard. not having a mtg (or much smaller than 6K) would help. Anyone else made this decision? we live in a 'desierable' area - but I'm not sure how valuable keeping the house longer term would be. If is a better investment to keep longer term; maybe sell much later into retirement we can do that too. We have a 3% mtg. Would there be any benefit to trying to stay in the home?

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