$730,000 NW [37M] – +2 Year Update and Retrospective

After some great feedback from my first post, I thought I’d provide an update and retrospective two years later. Thanks to this community I’ve read more and attempted to adjust my perspective on FI. Some books that really hit home last year include: Scarcity Brain by Michael Easter, The Psychology of Money by Morgan Housel, and The Simple Path to Wealth by J. Collins.

• Cash
  • $325,000 in HYSA (+$75,000)
• Retirement Accounts
  • 401k: $240,000 (FXAIX and old TTIIX, TLYIX accounts) (+$115,000)
  • HSA: $19,000 (new!)
• Taxable Accounts
  • Vanguard: $141,000 (VFIAX, VTSAX) (+$66,000)
  • FBTC: $6,000 (new!)
• Debt: $0
• Car: Sold!
• Rent + expenses: ~$3,500/mo (about the same)
• Tech job: $165,000/yr (+$0 raise this year)
  • I'd love to shift positions but AI + the job market has been daunting and continues to be so.

With my first post two years ago, this community gave me some great feedback and things to think about:

• I’m currently increasing my cash reserve transfers into taxable accounts to balance things out a bit more with a target of keeping ~$300,000 in cash (wedding, car, house still on the docket!). I still feel strongly about keeping a healthy cash hoard.
  • Part of my inclination to keep cash is because of how well the market has done in the past few years. I'm not a doomsayer but I cannot foresee this upward trajectory continuing and I'd like to be prepared to "buy the dip" if/when things go south.
• I'm kicking myself for not contributing to an HSA sooner. Once I learned about the triple-tax advantages I funded it 100%.
• I'm considering purchasing property in a LCOL city as an investment property to rent out. Purchasing a home to live in isn't necessarily high on my priority list at the moment as I've become a bit of a digital nomad thanks to remote work.
• I'm split between purchasing a practical vehicle or "treating myself" to more of "dream car" that is still practical, but less so (Porsche Macan/Rivian R1S).
• I can't seem to shake this dread though: things seem good but I find myself continuing to prepare for a worst case scenario.