u/Cool-Confection-4415

Hey folks, we’re 37M, 40F —no kids (not planning on it) one dog—and we’re laying out our portfolio. We’re aiming to retire in about 4 or 5 years with $3M and move to Portugal or Spain. Here’s what we’ve got:

401(k): $355K combined
Roth IRA: $145K
Crypto: $45K
Home equity (main house): $290K
Joint brokerage: $169K
Play stocks: $5.5K
Car equity: $30K
Cash: $20K
HSA: $1.65K
3 paid-off rentals, estimated to sell for $430K total
RSUs: $135K waiting to convert (avoiding short-term tax hit)
Rental income now: ~$3.5K monthly

Total net worth: $1.62M including home and rentals.

Alright, let us have it. What’s off, what’s absurd, and where are we delusional?