u/feisty-shag-the-lad

We started our FI journey in my mid 30s after a decade of partying and traveling. I'm now in my mid 50s and can say that I've reached FI.

As background, we set modest goals for what FI might look like, as they were met we upped each goal and kept grinding.

We could have (should have!) stopped earlier and saved a lot of anxiety. It's only in the last month that I realized that my goal should have been lifestyle optionality rather than a fixed number target.

With this realization our decisions about work and expenditure are not based on fearing missing goals, but what feels right and the diminishing return on a nice NW by continuing the grind.

Strangely having this choice has inspired me to keep working but be emotionally disconnected from threats of downsizings, office politics and other BS.

You check NW and market performance regularly, it's also worthwhile taking stock of your emotional state on a regular basis.

Stay disciplined but be realistic of the personal cost you're paying.

Haven't sold a house in 20 years so my psychology isn't tuned to it.

We bought an apartment about a year ago for 800k. A family member was meant to move in but they backed out.

Got great tenants and waited for them to leave at a time that suited them and their school year. The peopey went to market 2 weekends ago.

This is where my anxiety kicks in.

2 offers unconditional for 1.06m and 1.05m . one offer with 10 day finance and building/pest at 1.07m.

Due to upcoming budget night, if the 1.07 falls through, it'll be back on the market after budget night possibly under a new cgt calculation. It will drastically cut into our net profi.

I'm risk averse my wife is the opposite. I'm loosing sleep and she's snoring away and probably counting the extra 10k

How often are conditions executed?Am I being overly cautious?