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I averaged 6.8% for the lost decade, or around a total 94% return. If I can do that for the next decade, I'll have no need to work at 2020.

At that point I'll still have a 16 and 19 year old kid. So yeah, kids really screwed up my FIRE plans. But, I wanted to have them.

My SAHW has always worked as a contractor of some kind, so that has helped, she pretty much pays for the kids and all their stuff, I pay for the big stuff like a house, car, etc. No that the kids are in school she is able to work much more.

What really changed my thinking about this whole FIRE thing was one of my closer friends. Perfectly healthy guy on the cusp of retirement and boom - brain cancer. All of his retirement funds paid his hospice care until he died.

Enjoy life while you have it. The future may not get here.

That means I save less and go have more adventures now.
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