EP 260-NJ Teacher Couple Maxes Out 457b/403b/Roth IRA's---140k Combined Income

EP 260-NJ Teacher Couple Maxes Out 457b/403b/Roth IRA's---140k Combined Income

March 29, 2026 · 48 min · Season 6 · Episode 260

About this episode

A NJ teacher couple shares their journey to financial independence by maximizing their retirement accounts and living modestly.

Send us Fan Mail NJ high school teacher is married to NJ high school EC teacher. Before having their first child, they caught the FIRE bug in their early to mid twenties. They didn't do it forever, but they lived on a very modest 40k per year in annual spending for a handful of years while investing around 80K each year (combined). This early maximization caused them to become teacher millionaires before the age of 35. After having a daughter and moving from being renters to homeowners, they ...

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