re: At what point is DIY not a good idea?

Pushing retirement up is the goal. The new money likely won’t actually get us to $1m per year, but it will be mostly in quarterly distributions as we both happened to reach shareholder in our jobs starting January 1. I believe it will more than double our current annual income most years.

The plan for now is to use the first quarterly distribution to put towards a new home, in addition to what we net on the sale of the current home.

After that, we plan to live solely off our salaries and invest 100% of distributions unless we are replenishing the emergency fund. I’m sure my wife will bend the rules a bit, but I’m pretty happy living on my current salary and don’t want to fall victim to lifestyle creep.