Reply to Anyone else feeling guilty about how easy it is to make money?

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[quote=Anonymous][quote=Anonymous]We bought our house in 2017 and secured a 2.85% 30 year rate and the home has appreciated by close to 1 million. 
Our 401k/Retirement Roth/Equity account has appreciated by a couple of millions, and our retirements are fully funded even under conservative assumptions.  
Not even 40 yet and we are close to being financially independent despite having two kids in private schools and some nice cars and plenty of vacations. Something has to give right? This doesn't seem normal. [/quote]

Your story doesn't seem normal or real.  Especially if you read more of your comments.  I call fake.  Numbers don't add up.

(1)
Home appreciation. Mclean didn't appreciate as much even in premium areas.  Older mcMansions go for maybe 500-600K more because so many new ones are built, which go for about 3m median price. The only way it could happen is if you bought a much more expensive home and/or remodeled it in a luxury way (doubtful any of this is true given your HHI of 450 and your NW of 1m back then.

(2) 
How is your retirement "fully funded" when your NW is only 4 mil including your home and 401K? That's not much for someone in their late 30s to retire on especially with the tastes like private schools and "some" nice cars.  You can't possibly be financially independent given your spending and your age and a lot of your NW tied up in home equity and 401K

(3) 
How did you afford to invest and have quite a pricey lifestyle (private schools, luxury cars, travel) in an expensive home (even with a low rate) starting with 1m NW (which wasn't liquid if you had 401Ks)? If you both worked and had childcare expense especially

Is this supposed to be some hypothetical scenario to explain the increase in appearance of wealth all around? [/quote]

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