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Was gonna do this earlier, but I just got a job offer with a higher salary so I can tweak my goals a little bit. 1. 50% of salary goes into retirement accounts (401k/Roth/taxable) - With the new salary I think this is much more doable. 2. Increase net worth to ~65k, or rather put about $25k into retirement if the market remains flat or whatever. Market gains aren't really a goal. 3. Don't get married - or if I do, don't have an expensive wedding 4. Don't have kids 5. No new debt - no house, no new car, etc 6. Start a budget with YNAB. I'm doing well with money I think, but I feel like some cuts can be made. Fortunately, I don't have any debt (other than whats on my upcoming credit card bill which I pay off in full every month), so I can focus on cutting expenses and investing.
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Dec 23, 2015 18:29
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| # ¿ May 4, 2024 19:32 |
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Ludwig van Halen posted:Was gonna do this earlier, but I just got a job offer with a higher salary so I can tweak my goals a little bit. Eh, I bought a car. Not because I needed one, and now I've got $18k to pay off over the next couple of years. It's technically the first time I've ever bought a car though, I've always had a hand-me-down from my parents. My interest rate is low enough that I don't need to rush to pay it off because my investment accounts will very likely pay more, so I'm stretching it out over 5 years. Other than that, my Roth is maxed out, and my 401k is going well (not contributing enough to max it though). Keeping it on the straight and narrow with #3 and #4. The YNAB budget is going great, discretionary spending is way down (aside from the car) e: Now that I think about it, I ought to up my 401k contribution since my IRA is maxed out, so I've got some excess in my budget that would otherwise go into a taxable account. Baxate fucked around with this message at 14:14 on May 30, 2016 |
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May 30, 2016 14:09
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