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A method of leveraging accounts and credit cards to maximize cash back and interest. Essentially, OP uses HYSAs as checking accounts and keeps minimal money in his checking account. All bills are taken out of savings on auto-pay each month. All purchases are made using credit cards to maximize rewards.
Working until you hit a net worth number is not a good strategy. There are too many variables to allow you to calculate a number with high confidence. Instead of looking to hit a number, you should focus on being the DJ of your life. Where you can control the knobs of investments career family leisure etc. as the energy of life ebbs and flows.
Don’tSave it all for a future that may never come. Work all of the things that you want to do throughout your life. Make it work.
I researched cash-back credit cards so you don’t have to.
Great thread on cash back cards broken down by category of benefits.
I’ve added this “Zero-based budgeting” strategy to my growing list of tools and frameworks for managing my finances (along with having an Writing An Investor Policy and doing a Money Review).
Think of it a Konmari’ing for your money.
Good thread on differences of choosing individual funds vs TDFs. Comments give breakdown of good Fidelity funds to choose for a 3-fund portfolio.
Boglehead’s wiki article about approximating total stock market with individual index funds.
Artificial Tightness: Reversing 15 Years of Lifestyle Inflation | Principal F.I.