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Money subreddits are a firehose of product demand: r/personalfinance and r/Fire users asking for retirement planning tools that model real tax rules, r/investing users tired of juggling five portfolio trackers, people in debt asking for something simpler than a spreadsheet. When Mint died, Reddit is where millions went to find replacements.
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For married filing jointly, how should low earner max out retirement options?
My partner and I recently graduated from Dave Ramsey’s teachings and want to start focusing more on investing and retirement savings now that all high-interest debt has been paid off. We may be behind (40 yo and 37yo) but together we earn gross $270k annually (both w2 jobs). We live in a HCOL city with two children which is what eats up a lot of our earnings. How should the lower earner (95k) prepare the W-4? I read that the child exemptions should only be reported on the high earners income. Also, should the high earner transfer money to low earner to have two back door roth accounts and how do we both max out the 401k since both employers match c. 4%? Lastly, should we both try to max out HSA? I recently started following the money guys where I learned all these terms but have no idea how to execute! Send help please!!
I have no idea how to start but, I would like to ask for advice. I'm 30f and have been in debt for a few years now. I trusted people I should not have and now I am at 22K in debt all spaning a personal loan and aroud 4 credit cards. I feel both shame and fear due to my financial situation that at one point lead me to try and hurt myself, thankfully I was able to call a helpline. I have no idea how to even start to pay off my debt. I get so overwhelmed and I just stop trying. If any one could give me a step by step way to figure out a plan for me I would appreciate it. I deeply apologize if nothing of my post makes sense but at least like this I don't feel so alone. Thank you.
My husband (30) and I (24) need help with our finances. We make I would say above average household income. Around $20,000 a month after taxes. We have money put up, we pay our bills every month on time, we know how to save for things we want \\BUT\\ we currently aren’t tracking our spending, putting into retirement, doubling our mortgage, investing… we just get payed and pay bills. My question is what are other couples using to track spending, paying off debt, budging, saving, retirement and things like that? Is there an app for this? I don’t just want a measly little finance app that i link my bank account too and it tells me how much I’m paying for subscriptions. I can open my bank app for that. I need something more complex that I can manually enter numbers weekly and get real feed back on my progress. Does this exist?
Are Our 401k Projections/Assumptions Correct? 10% Employer 401k Match.
Are Our 401k Projections/Assumptions Correct? 10% Employer 401k Match. Spouse is 35. Currently starting to fund the 401k. 20k Balance in Vanguard 2055 Target Date Fund. Historical Average is 10.7%. 401k is Employer matched. First 3% is 200% and next 4% is 100% Match. Essentially a 10% total match if employee contributes 7%. If contributing nothing else, it would be 17% of Income (Roth 401k). 1. Currently makes $55,000 per year. 2.5% Annual Increase. 2. She wants to stay with the company, currently in College and should be able to obtain a role in 3 years at about $75,000. Assuming 10.7% Average growth for 30 years with salary increase to $75,000 at age 38 and 2.5% increase yearly in cost of living, there could be just under $3,000,000 at age 65. I ran it through multiple calculators. Could it really be accurate? If so, they would probably "Retire" at age 60 when funds are about 1.7 Million and begin 3% withdrawal. Estimating a 6% conservative growth of the funds when moved to a less risky fund. Even withdrawing 3% the money would continue to grow. Why only 3%? I am Retired (100% VA Disabled) my income is guaranteed so unless I die we would have my pension. And if I die first they'd qualify for DIC (Dependent Indemnity Care) which doesn't replace my Disability but pays the surviving spouse currently about $1600. Could it really be that simple? Or am I missing something? We aren't factoring Social Security either, though I may qualify for SSDI and be taking on that fight shortly.
So I have a tendency to just spend without thinking and gets me in trouble. I have rocket money, tried Credit Karma, tried every dollar, I’ve also tried mint and monarch money. The struggle I find is I will link my accounts, and then things come out at different times so I end up overdrawing because I think I have more money than I actually do. I’m thinking maybe something where I manually put things in to keep track? - what do you do or what has helped? Thanks!!!
I have a Loan that is split into 3; totaling about $21,150 at 12.470% variable interest. Obviously I want this loan GONE so I’m budgeting $400-$600 extra payment monthly Should I pay extra toward the full balance or attack each individually one at a time? Loan 1 15,900 Loan 2 $3130 Loam 3 $2700
Common figures say we are super behind on retirement, but are we?
36 and 32 year old married couple with one child in elementary school, 7 years old. Planning to retire at 63 and 59. We live in a MCOL area. We are 2 years into a 30 year mortgage for a house worth about 450k. I make 75k, my spouse makes 90k base with generally about 20k commission. I get a guaranteed raise, their pay is fairly stagnant. This includes 14% pension contributions I can’t touch. I have a pension that I am vested in that will pay between 64-74% of the average of my highest 5 years of pay. I have conservatively estimated this to be about $6,600 but it could be closer to $7,100. I’m in education so I’m not really worried about the pension not paying out. Regardless, the pension would be passed on to my spouse for their lifetime if I died. I don’t get much SS but we made a conservative estimate of $2,600 between the two of us if SS only pays out 80% of current estimates by the time we retire due to the shortfall. We have $70,000 in retirement savings between our 401ks, Roth IRAs and 457b. I’ve read this is really low considering our income, but between saving for a down payment, a complete career change / immigration for spouse, and child care, we haven’t really had the option to save a ton until the last year or so. We save about $1,600 a month. We estimate our expenses would be about $8,000, factoring in expensive health insurance until we hit Medicare age. Our property taxes are also pretty high, but we would potentially sell our home and downsize for retirement. Are we super behind? Okay? Will we be destitute? Should we be putting more into a Roth IRA instead of 401/457 due to the significant tax burden of the pension? Let me know!
I'm 38 years old and would appreciate a second set of eyes on my retirement plan and overall financial situation. My goal is to retire around age 60 if possible, and I'm wondering if there are any changes I should make to improve my chances. I'm unsure how much annual retirement income I'll need but estimating 70% of current income in today's dollars. Retirement Accounts and Income 401k - $269k in a 2055 Target Date Fund Roth IRA - $34k in a 40/40/20 split with FSKAX/FSPGX/FSPSX 403b (Wife) - $30k in a Target Date Fund I contribute 22% of my $86k salary with a 5% employer match for the 401k and have begun maxing the Roth IRA with monthly contributions. My wife makes negligible contributions to her 403b but is a teacher in Illinois and will receive a pension through the state. I expect to receive Social Security (or what remains of it in 30 years). I make $86k per year and the wife will be making $69k per year. I don't anticipate any large increases in salary throughout either one of our careers. Savings and Debt Checking/Savings - $90k ($15k is in a local bank as an emergency fund, the remainder is in an online savings account) Neither of us have an HSA available Mortgage - \$95k (24 years) remaining at 2.45% Debt - $10k in PSLF loans at various interest rates (5-8%) No car or credit card debt Expenses Currently monthly expenses are around $6500-7000 after all taxes and contributions. This comes out to saving $500-1000+ per month but it can vary. We do have a 2.5 year old and are making small contributions to a 529. Daycare is a huge expense we expect to come off in a few years. Questions 1. Does my Roth IRA allocation make sense given that my 401(k) is already invested in a Target Date Fund? 2. Should I continue overweighting large-cap growth with FSPGX, or would I be better off simplifying into FSKAX, FXAIX, adding small-cap value, emerging markets, or something else? 3. Am I saving enough to realistically retire around age 60? 4. Are there any obvious gaps in my retirement planning or overall financial strategy? 5. If you were in my position, what changes would you make over the next 20+ years? 6. Is there anything outside of my investments that I should be prioritizing (ie brokerage)?
30m. I haven’t found a thread dedicated to what retirement may look like 30 years from now. I’m curious how much $ I’ll need to live my desired lifestyle. My logic tells me the best way to “guess” is to create an annual expense budget as if I were to retire today and then use a tvm analysis to account for inflation 30 years into the future. Is my logic wrong? Is my math wrong? What would you do differently? What do we think the tax rate may be in the future? So many variables and unknowns but I’d like to pursue a “number”. If I were to retire today I would like to be able to spend $200,000 annually after tax. Assuming, I’m paying 20% cap gains that would require a $250,000 withdrawal. I assume a 4% withdrawal rate which would require a $6,250,000 principal amount. I begin with a principal of $6,250,000 and assume 3.5% inflation annually over 30 years. These assumptions tell me I should shoot to accumulate roughly $17,500,000. Taking a linear approach and assuming I have a $500,000 principal amount today that means I’d have to invest $108,000 @ 8% annually over 30 years which seems not possible. Obviously income today should be much less than it will be in the future but when you look at this math it’s kind of discouraging. If you’re retiring with $6m today did you ever think it was possible to get there? What were the keys to success? I wish everyone success on their journey towards retirement!
What apps do you guys use for tracking your different investing portfolios? Getting pretty hard to track my portfolios along with dividend dates and balancing can be hard with only seeing the percent it takes in my portfolio. Any apps that can simplify things? Thanks
I just hit 400k. I’m not posting to get attention, but for advice. I am a journeyman Lineman and I got into the trade when I was 18. I’ve always been good at putting money into my 401k and have been maxing it out the last 5-6 years. The only debt I have is a mortgage and I still have about 25 years left about $450k if I don’t start paying more on principal. I own all my vehicles I’ve always paid them off fast or paid cash. My living expenses fluctuate a good amount. My income is any where from 180k-300k depending on overtime. When can I realistically look at retiring?
I have about $5000 in credit card debt that I’ve been stuck with since 2022/2023. I’ve paid the minimum monthly payment every month, but with the insane interest charges the balance has NOT gone down. All together my monthly payments are about $400 for the 3 credit cards. I also have student loans but I am basically in default on them because I cannot spare the funds to pay the monthly payment every month since I’m more worried about the credit cards. Even though I do not miss credit card payments my credit scores is ruined because I cannot pay my student loan. My current score is 605. I live paycheck to paycheck because of this, and sometimes don’t even have enough for that. I make about $3000 a month, and my other big expenses total to about $900 across my car/insurance payments, rent, and subscriptions. I am at my wits end because I know I would be comfortable with my finances if I didn’t have this weight of debt around my neck. I need advice, please help I’ve been stuck in this limbo for years now 😭
Hi I am looking for a golden nugget solution to manage my wealth. I have money invested in shares across 3 platforms and savings across 2 banks. I need to track it all better. I have tried google sheets (is messy and comlpicated) I want to use AI but I am scared of the risk of putting my finances through there. Does anyone know of a safe AI platform or system that they use to track their wealth over time. Ideally would like to drop my share performance (csv) with my bank statements (csv) and let something work it out for me and keep them tracked.
42 year old living overseas, looking for a reality check on when I can "throw in the towel." How am I doing? Current Assets: • Retirement: $1.7M in 401k + $1M lump-sum pension (if I separate from my employer). • Taxable Brokerage: $160k in VFIAX. • Cash: $60k in a High-Yield Savings Account. • College Savings: $370k total across 529 plans. • Real Estate: 3 properties total (2 rentals, 1 summer home), all completely paid off. Total value is around 1M. I live overseas and don't occupy any of them. The rentals bring in about $20k annually in net income. • Monthly Savings Rate: • $4k into the 401k. • $7k into VFIAX. • $3k into the 529s. Family/Goals: Kids are 17, 15, and 12. Trying to figure out the timeline for early retirement based on these numbers and my current savings rate. Any blind spots, or thoughts on how close I am to pulling the plug?
I need help finding an app to help me become debt free
I am looking for an app that I can put my debts into to track their progress. I tried to create this in Excel, and it turned into a disaster. In my mind, I'm imagining an app where I can add the debt, add the interest rate and interval, and in my case, add recurring charges to the credit card to accurately keep track. Does anyone know of any apps that can do the things I want?
Numbers look good for coasting, but calendar is relatively short so it gives me pause: We are at 905k in retirement accounts with 9 years left. Our spend will be about 75k adjusted for inflation. I do have a pension that’ll be about 15k so really investments need to cover 60k. Thats 1.5 million of course using 4%, and we “should” coast there just fine using rule of 72. Even at 6% returns we’d come somewhat close to doubling. I’m concerned though as nine years is pretty short and if we have a rough 4-5 years my coasting won’t….coast So just keep squirreling away?
Transactions disappearing from Rocket Money (and other budgeting apps)
This has been an issue since the 2.0 launch and it needs to be addressed ASAP, imo. I just had a $1,500+ transaction from mid-June disappear from Rocket Money. After doing a manual reconciliation I see that RM is missing \$3,000 so far in 2026 - and this is after doing this song and dance and manually adding over $1k a month ago. Confirmed these transactions are not set to ignore or miscategorized, just there one day and gone the next (sometimes weeks after posting). A quick search of the sub shows I'm not alone and it appears to be impacting Monarch as well. Some might say this is a Plaid issue, but my Chase card reconciles to the penny with RM and has for years, never once had to manually add a transaction.
First a little background. 48, DRIP off into income will be 59.5 Milestone. Heavily diversified across Brokerages, IRA's and 401's otherwise. My Employer 401 has a Roth option which I am focusing heavily on contribution wise and it will do the heavy lifting distribution wise in bridge years. I have a stand alone Roth (Schwab), that doesn't have a large balance comparatively and I want to turn this into a passive income generating account. Right now I have \50K in here, 40% in SCHD, and will continue to contribute as much as free cash flow allows. My 401/Roth 401 and Wife's Roth (with catch-up's) are priority due to total balance. Contribution will be handled via Backdoor Conversions, once per quarter. In the portfolio I am looking at the following distributions: SCHD: 40% -- Well, its SCHD. JEPI: 35% -- High Yield, drives the "income engine", low(er) volatility, well positioned for ROTH due to zero tax impact. DIVO @ 25% -- looked at SCHY for diversification, but will stick with DIVO for now. I want to keep it some what simple. I will fund retirement Quarter over Quarter, so monthly vs Quarterly is not really relevant in terms of withdrawn income. . I ran a few Monte Carlo's on this setup. In P10 (Hard Bear Market) and also with a few different sequence of returns scenarios. All return close 5.5K - 7K per quarter which isn't half bad. P50's are even better.... High Tech Exposure is not something I have the stomach for right now in for this plan. Thoughts / Feedback Welcome.
37yr engineer, wife and 2 kids, My retirement plan - what do you think?
I am 37 years old married with 2 children. We live in Alberta. Our expenses does not exceed TOTAL $3750/month-$4500/month NO DEBT WHAT-SO-EVER. No car payments, no mortgage, no debt, no nothing. Household income before tax = $135k Husband income + $55k wife income + $18k rental income + CCB $5k. My plan is to try to retire between 50-55??? No idea what the hell im doing but looking for a way. Wife is 100% onboard. We take yearly vacations \$15k. We own our cars 2024 2020. I have 1 motorcycle. Newer house 2800sqft. Looking for advice, breakdown of what to do, tips, hits. Below is the breakdown of assets/investment/bank etc TypeValue :-:- HOUSE$730,000.00 CAR 1$19,000.00 CAR 2$6,000.00 Bank $20,320.32 TFSA HUSBAND$132,219.22 TFSA WIFE$41,851.53 RBC RRSP$10,224.90 RBC DPSP$5,016.84 RESP$6,867.24
My wife and I are in our early 40s with stem PhD. We both work as TTAP in the midwest after completing several years' postdoc. We started saving aggressively in the last few years. We have been working hard and want to (half-)retire early to enjoy life. Current retirement saving: Me: \$750k total ($190k stocks in IRA, $60k stocks in HSA, and the rest as index funds in 403/457) Wife: \ $630k total ($140k index funds in IRA, $70K stocks in HSA, $420k index funds in 403/457) Salary: We both make \$110k annually Real estate: Primary residence (owed $300k\ at 5.625%; need to refi in 2 years); investment property with \$250k equity. Kids: 2 (13 and 10) In addition, we have together \ $100k in various checking/brokerage accounts as daily expenses and emergence funds. My wife will stay her course to get tenure. I have been very stressful about getting research funding. Years of frustration led to unhappiness and strain in my family. For this reason and a few others, I have decided to resign and switch to industry. Honestly quitting academia has never been part of my plan, so I am feeling lost. My questions are: How well are we doing in savings? Could my decision for switching to industry jeopardize our saving goal (for ourselves and kids) if I cannot land a job for a year or two? Any other thoughts?
Am I set for retirement if I fully max out my 401k and Roth IRA? Or do I still need to set aside more? Growing up poor caused me to have a lot of financial insecurity and I am always worried about not having enough money (although it’s getting a lot better) Background: In my late 20s, just purchased a house with 40% down (took me 10 years worth of frugal living, working full time and taking on part-time side hustles, living at home). Currently house hacking and rental income covers my mortgage and utilities. I put aside $500/month for home maintenance. House would be paid off by the time I retire at 60 (hopefully). After healthcare/transit/401k max deduction, maxing Roth IRA, home maintenance, groceries/online shopping (\$500), I still have $3k/month left to spare. No car and no dependents.
LCOL: 58M, spouse 54F, $1.75M (83% pre-tax). Can I retire at 62 while spouse works 4 more years until she reaches 62?
I want to retire at 62 (4 years out), buy a used Porsche ($100k), and tour the country (U.S.) while my spouse works until her own retirement at 62 (that's her choice, she'll probably work longer because she thinks we'll never have enough). She is not a spender, likely will retire and watch TV. Please give your assessments on my situation and the feasibility of my plan. Income: - Me: $190k salary (I work at a startup and further funding is questionable right now) - Spouse: $45k - Combined 401k deferrals only $11k/yr. Me: 4% ($7.6k); spouse 7% ($3.6k) Assets: $1.75M investable - My rollover IRA: $820k — 63% S P 500 index / 37% US bond index - My Roth IRA: $155k — same split - Spouse's 401k: $507k — 100% S P 500 index (VFIAX) - Spouse's Roth IRA: $118k — 100% S P 500 index - Small pension from my former employer, now a group annuity: $110k cash-balance value, credits interest until retirement; lump-sum or lifetime-annuity choice when I retire - Cash: $50k - Overall ≈ 71% stocks / 21% bonds+pension / 3% cash Debts: - $31k mortgage @ 3.375% (home $410k) - $50k auto loans @ 6–6.6%, paid off right around my retirement date Social Security (from our SSA statements): - Me: $3,400/mo at 66 - Spouse: $1,450/mo at her 62. $58k/yr combined once both claiming Spending: $120–140k/yr — honestly not sure if this is realistic in retirement. Looking for advice on how to figure it out. Insurance: health via spouse's employer plan until Medicare at 65; term life on me is in place. The pinch: the 4 years between my retirement and any Social Security — my spouse would take home $41k and the rest has to come out of savings. Questions 1. Is 62 realistic for myself (us)? 2. Where should the next 4 years of savings go — more 401k (I have catch-up room), Roth, taxable, or a bigger cash cushion given the job risk? And should I look into Roth conversions in the low-income years after I retire? 3. A hybrid RIA/broker wants 1% AUM to manage it all. Worth it? 4. The $110k pension: lump sum into my IRA at retirement, or the lifetime annuity? (Already delaying SS to 66 for longevity insurance.)
Context - I’m 29 just turned 29 in July, started a little late but I feel like I have a good shot at my overall goal. By 55-57 I’d like to be able to “retire” and utilize the 4% rule (this includes dividend income + other withdrawals) and have $250k + a year to live off of at those ages minimum. I have three accounts. \- Taxable Brokerage account $4,032.57 right now in it. The intent is dividend growth plus my speculation in Nucular energy. I am investing $100 every week into this account split between the below stocks. 40% - SCHD 40% - VIG 20% - OKLO \- Roth IRA account with $5,153.43. Risky but heavy plays in tech field specifically META and GOOGL. I have auto investment of $625 monthly to max out the Roth IRA at $7,500 a year 50% - META 50% - GOOGL \- Roth 401k account with $32,732.69. I am investing 15% of my base salary of $114,500 + annual bonus between $25,000-$30,000. My company matches 100% up to 6% of my comp 75% - Ishares S P 500 index K 10% - American Funds Capital World G/I R6 8% - Vanguard Mid-Cap Index Funds 7% - Vanguard Small-Cap Index Funds Currently grand total is $41,910.13 vested at 29. Also out around $2,000 a month into a HYSA that has around $40,000 in it currently. What is everyone’s opinion on my allocations / do you think I can achieve my goals of the 4% rule and be able to have around $250k a year at age 55 minimum. How far behind am I and if I am, am I on the right track?
What spending strategy would you ACTUALLY use to die with zero?
A little about me: retiring in about 8 months. Will be 55. Married no kids. No legacy goals. As for the numbers, let's call it $5M liquid. This should really work with any number though. Ideally we'd die with zero. Realistically I'd like to have a little margin. Let's call it 20% of the original number, just in case one or both of us winds up in LTC for an extended period of time end of life. Normally everyone focuses on safe withdrawal rate. 3.5% 4% 4.7%. But nobody spends like that. Then you have guardrails. 5.4% and adjust for market conditions. Or how about the spending smile? Sounds great in theory, but how do you choose how much to spend in your go go years? It also seems like most of these strategies are targeting the worst case scenario, and in almost all simulations, you wind up with WAY more than you started with. So how would you spend your nest egg so that there is some semblance of a glideslope down to a final number that's smaller than your original nest egg? I would love to hear from some FIREes that have been doing this for a couple decades but I assume most of them have better things to do than hang out on Reddit. So barring that, what do you aspiring FIRE people think the right strategy is if your goal is to "die with 20%".
What spending strategy would you ACTUALLY use to die with zero?
A little about me: retiring in about 8 months. Will be 55. Married no kids. No legacy goals. As for the numbers, let's call it $5M liquid. This should really work with any number though. Ideally we'd die with zero. Realistically I'd like to have a little margin. Let's call it 20% of the original number, just in case one or both of us winds up in LTC for an extended period of time end of life. Normally everyone focuses on safe withdrawal rate. 3.5% 4% 4.7%. But nobody spends like that. Then you have guardrails. 5.4% and adjust for market conditions. Or how about the spending smile? Sounds great in theory, but how do you choose how much to spend in your go go years? It also seems like most of these strategies are targeting the worst case scenario, and in almost all simulations, you wind up with WAY more than you started with. So how would you spend your nest egg so that there is some semblance of a glideslope down to a final number that's smaller than your original nest egg? I would love to hear from some FIREes that have been doing this for a couple decades but I assume most of them have better things to do than hang out on Reddit. So barring that, what do you aspiring FIRE people think the right strategy is if your goal is to "die with 20%".
Sziasztok! Egy ideje kerestem olyan portfóliókövető appot, amiben nem csak részvényeket, ETF-eket és kriptókat lehet követni, hanem magyar állampapírokat és hazai befektetési alapokat is. Nem sikerült ilyet találnom. A legtöbb megoldás vagy a brókernél tartott eszközöket mutatja, vagy csak részvény/ETF/crypto fókuszú. Erre csináltam hobbiprojektként egy Android appot, Portfoliom néven. Az app célja, hogy egy helyen lehessen látni a teljes portfóliót: \- részvények, \- ETF-ek, \- kriptók, - magyar részvények, - magyar állampapírok, - hazai befektetési alapok, \- kp A nemzetközi eszközök mellett próbálja kezelni a magyar piacon gyakori elemeket is, főleg az állampapírokat és a befektetési alapokat. Nincs regisztráció, a portfólió csak az eszközön tárolódik. Az eszközök értékei frissülnek, de az adatok kis késéssel jelenhetnek meg, ezért befektetési döntéshez természetesen nem ezt érdemes elsődleges forrásként használni. Google Play: 1 eszközzel ingyen minden funkció kipróbálható, tehát vásárlás nélkül is meg lehet nézni, hogy mire való. Csináltam hozzá egy promo kódot is: KISZAMOLO. Ezzel 7 napig díjmentesen kipróbálható minden funkció. Ami igazán érdekelne: \- van már olyan app/piaci megoldás, ami ezt jól tudja magyar eszközökkel is? \- szerintetek mi hiányzik belőle? \- ti miben követitek most a teljes portfóliótokat? Szívesen fogadok bármilyen visszajelzést, főleg pénzügyi felhasználói oldalról.
I'm 38 years old and would appreciate a second set of eyes on my retirement plan and overall financial situation. My goal is to retire around age 60 if possible, and I'm wondering if there are any changes I should make to improve my chances. I'm unsure how much annual retirement income I'll need but estimating 70% of current income in today's dollars. Retirement Accounts and Income 401k - $269k in a 2055 Target Date Fund Roth IRA - $34k in a 40/40/20 split with FSKAX/FSPGX/FSPSX 403b (Wife) - $30k in a Target Date Fund I contribute 22% of my $86k salary with a 5% employer match for the 401k and have begun maxing the Roth IRA with monthly contributions. My wife makes negligible contributions to her 403b but is a teacher in Illinois and will receive a pension through the state. I expect to receive Social Security (or what remains of it in 30 years). I make $86k per year and the wife will be making $69k per year. I don't anticipate any large increases in salary throughout either one of our careers. Savings and Debt Checking/Savings - $90k ($15k is in a local bank as an emergency fund, the remainder is in an online savings account) Neither of us have an HSA available Mortgage - \$95k (24 years) remaining at 2.45% Debt - $10k in PSLF loans at various interest rates (5-8%) No car or credit card debt Expenses Currently monthly expenses are around $6500-7000 after all taxes and contributions. This comes out to saving $500-1000+ per month but it can vary. We do have a 2.5 year old and are making small contributions to a 529. Daycare is a huge expense we expect to come off in a few years. Questions 1. Does my Roth IRA allocation make sense given that my 401(k) is already invested in a Target Date Fund? 2. Should I continue overweighting large-cap growth with FSPGX, or would I be better off simplifying into FSKAX, FXAIX, adding small-cap value, emerging markets, or something else? 3. Am I saving enough to realistically retire around age 60? 4. Are there any obvious gaps in my retirement planning or overall financial strategy? 5. If you were in my position, what changes would you make over the next 20+ years? 6. Is there anything outside of my investments that I should be prioritizing (ie brokerage)?
Hello friends, Want your expert opinions on when you think I could reasonably FIRE. Im aware I’m in a good position but I’m pretty early on in my career so would also value any opinions of people who have left it all behind (my job is fine, I do enjoy it, but I work hard and long hours, but still have time for hobbies and fun maxing holidays and never work weekends). \- Basic: 31M, single (gay, probably no kids, just ended LTR but want a life partner). Live in CO. \- Income: $300k base + $200k RSUs and bonus (big tech AI) \- Savings: $1.5M invested in VTI/VXUS via Vanguard, $400k vested RSUs in FAANG company, $500k 401k (invested in VTI/VXUS), $130k ROTH IRA. No debt. \- Outgoings: About $8-9k per month, not a homeowner (I just rent as it’s easier and gives flex, but id like to buy a home soon). everything left over each month is invested. thanks!!
Hi All, We're a married couple, me, 54, and wife 53 planning for retirement for me in 5 years and my wife in 7-9 years, currently holding a combined investment portfolio of approximately $1.942 million spread across twelve accounts a mix of 401(k)s, traditional and rollover IRAs, a Roth 401(k), and taxable brokerage accounts. The portfolio is invested roughly 80% in equities and 20% in bonds. My comp is around $165K and actively contributing to my 401(k) (16%) and Roth 401(k) (4%). Of the 1.942k, 219k is in my current 401k. Company has a 50% match to the max contribution. My wife’s comp is $155K. She contributes 12% 401k and just started 3% to roth, that balance is 17k (just started a year ago) out of the 1.942k. On the real estate side, our current home is valued at around $850,000, against which we carry a mortgage of approximately $132,000 and a HELOC of roughly $89,000. It has been gaming 5-6% per year since we bought in 2011. Using a 4.25% avg increase we should have a home with 1.289k in 10 years. I have not factored the equity into our plans as I don't know where we would move or the cost of a new place. We plan to retire at 60 for me and 62 for my wife, and we've modeled several scenarios that vary our retirement timing and Social Security claiming ages (62 vs. 65), using conservative forward-looking return assumptions of 5–9% on equities rather than recent historical averages. Our combined Social Security benefit is estimated at roughly $60,000–79,000 per year depending on when we claim. We live in GA and If you're 62 to 64, you can exclude up to $35,000 of retirement income per person per year, and once you turn 65 that jumps to up to $65,000 per person. For a married couple where both spouses are 65+, that means you can shelter up to $130,000 of retirement income per year from Georgia state income tax. As far as other debt goes, we one 1 car with no payment (2019 Honda 40k miles in 7 years) and one the other payment is 750 a month with 23 months left (2023 Ford 6k miles on it). We have 1 son in high school, but he will go in state, and the Hope Scholarship pays 85-90% of tuition and we have 100k in a 529 plan as of now. We do expect to inherit anywhere form 750k-1.15k from my in-laws in the next 5-10 years, but that is not factored into my plan since it is still an unknown. I have been modeling our retirement using tools to create various plans (different ages at retirement, different ages to take SS, monte carlo simulations, medical events, inflation etc..) while using lower that historical averages for the baseline growth in these plans. I do have a financial advisor that agrees with the plans I created that we should be in good shape to retire at the ages we want. Also, most likely when I retire at 60 I will do some contract work for a few years part time that would bring in 60k or so a year but that is an unknow, so I have not factored that in. Thank you.
I have finally ready to get this debt of mine paid down/off. Hubby is retiring in 5 years, so I have 5 years to get it together. My question starting. I am not a paper and pencil type person. I need a good app to use to help me. I tried YNAB and it is just too much for me. Any other suggestions?
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