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It was a decent year. I'm still trying to figure out exactly how to FIRE. For now, DH and I are maxing out our 401ks and Roth IRAs. We have a 6 month efund and are at 25% of the desired 'car fund' to replace both our cars when the need arises (cars are eight and nine years old). The only debt is the mortgage (3.25%) and I'm hoping to have that paid off in seven years (we're six years into a 30 yr mortgage).

#1 concern is the age old question - invest or pay extra to the mortgage. #2 is what is the FIRE plan - right now, it's only an idea with no details. I'm thinking payoff the house then semi-retire meaning working part-time or in more interesting/lower paying jobs. With no mortgage, we would be able to keep the same standard of living with less income. However, we would still need to save something for retirement and get cheap health insurance. After 10 years, dial back even more when the pensions kick in (assuming our current employer doesn't get rid of it before then).

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