I have about 6 months to go before I reach my FIRE number, but burnout has really taken a hold of me.
I have 0 interest or motivation in my job. I lay in bed till the minute I can't do it anymore. I'm thinking about quitting and taking a break even though I havent fully reached my number yet.
1st complication is that I still owe 100k on a 200k 'loan' a friend gave for a house purchase. I say 'loan', it was technically a gift and they arent asking for the money back. But, I think my conscience won't be clear till I pay them off.
2nd complication is there are a couple fixes / improvements for the house that I'd like to complete in the shortterm. Here are a couple examples: - Arborist inspection. (Budgeting ~5k, to bring down a couple trees) - Well water test. (~5k for a comprehensive test) - Washing machine fix, functional, but annoying to use in its current state. (1k) - Geothermal hot water survey. (~5k?? Unsure about this one.)
If I stay the 6 months, I'll be able to pay the 'loan' back (and hit my FIRE number). Really struggling with this, because (1) I feel like the need to payoff the 'loan' is self imposed & (2) I've really lost any sense of inspiration or interest in my work.
Stats:
Investments: ~$1.3M
Income #1 (burnout job): ~350k
Income #2: ~200k
Nondiscretionary Annual Spend: 26k
Discretionary Annual Spend: 32k
Currently maxing out 2 401ks (1 with after tax contributions & megabackdoor roth). Investing 6k in a brokerage monthly. Funding 2 HSAs fully. Funding 2 roth iras fully, through backdoor. Between 14k - 6k a month is going to the 'loan' payoff (depends on monthly RSUs). Then save or spend the rest, currently there's around 26k unallocated.
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