Feel like I’m at a crossroad. Do I coastFIRE? Do I keep grinding?
37f, single, no kids, rent.
I make anywhere from $200-$400k/ year (I own a business in a somewhat volatile industry)
NW approx 1.5mil
VHCOL city
$600k invested with Vanguard
$50k play money on Robinhood
$850k HYSA (I know this is high. I frequently have to front anywhere from $100-$500k for jobs, sometimes multiple at the same time. And I have been casually looking for a condo or house to buy.)
Rent 3k
Office 600
Utilities range from 200-600
Food prob 1k+
Health insurance 400
Car insurance 200
Other spending probably 3k/month (travel, clothes, etc)
No debt
I currently don’t budget much and more or less do what I want. I am not a lavish person, but I eat out frequently, travel when I want to, and don’t think about money much
I like the work that I do, but it is tiring and stressful. But I also hate working a 9-5. Does anyone actually coast and are you happy with your life?
I still have other dreams and professional goals that would require significant investment (maybe $300k) but I’m starting to wonder if I really need to strive for them. Should I just invest most of my money and coast?
I feel I am at an existential crossroad
Thanks for your insight