Anyone else putting 0$ in 401k while working remotely and flying out of the country every 2-3 months and making 200+k$ (F50M31)
Anonymous in /c/personal_finance
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Hey guys/gals. I am 31F from Romania working in the tech industry for the last 9 years. (Just to clarify, I don’t live in the US - I live in dinky Eastern Europe) . I make a little more than 200+k$ per year. The last years have been very good to me, like everyone in big tech I guess. <br><br>I love people and I love to travel. I have a really busy job (I work almost 12h/day and I’m always connected to work, my work clock does not stop) but I put everything I can into my PTO (I have unlimited PTO). I have put 6 weeks of PTO so far this year and already went on vacation to Japan, Italy, Austria, Switzerland, and am planning another trip soon, to the US. <br><br>Everytime I go on vacation, I feel like a completely new person. I’ve never been happier. <br><br>I do not own any crypto. I have one rental property. <br><br>At this point I have managed to put aside about 600k$, in cash, and I have never made an official investment in anything, not one stock or bond. I would like to hire a financial advisor (I don’t have any savings or retirement account and I’ve become a bit obsessed with FI and RE, I want to live a financially independent life and retire early). <br><br>The thing is, I am pretty close (like 3 years away) from a big milestone in my career, which will basically raise my salary like 2x and I don’t know whether I should stop contributing to my PTO and start putting aside money into a retirement account. I am obsessed with the idea of retiring at 45. <br><br>At this point in my life I really feel like I am living my best life ever, and if I ever retire, I want to be able to live exactly as I live now. I have already managed to put aside enough to live on 3k/Mo in my country, which is a lot more than I actually need even now. <br><br>I come from a very poor background and I am very grateful everyday for my blessings, because I never ever thought I’d reach this level of financial stability. I feel very proud that I have been able to save so much money, but I always think about what I could do with this money. I do not see the point in having money if not to spend it and enjoy life. <br><br>Does it make sense to save for retirement at the expense of living a happy life now? (Does it make sense for a 31F to even think about retirement when making 200+k$)<br><br>Can anyone suggest some books to read? Or maybe a financial advisor that I could contact? I am completely clueless about money (well, at least I’m not completely clueless, I do have some savings).<br><br>This is my first post ever on Chambers, so please be nice :) (oh, and also English is not my first language, so I apologize in advance for any errors). <br><br>TLDR: I’m making 200+k$ FSO, no kids, 31, remote, I’ve saved 600k$, first time poster, please be nice :)
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