Budgeted 42k, spent just over 50k in year one with no big one off purchases, no move, no new car. Categories all look slightly higher rather than one obviously blowing out. I tracked everything the same way I did while…
I'm about 18 months from pulling the trigger and the thing I can't get comfortable with is a bad first three years. Everything I read says sequence risk matters most early, but the advice stops at 'have a bond tent' or…
I stopped adding to retirement accounts at 34 on the basis that what I had would compound to enough by 60. Three years in, the real return has been closer to 2% and the projection now lands about 15% short of where it…
42, aiming to stop at 52, with everything after 59 well covered by retirement accounts. The gap years are the problem and my taxable account currently covers about four of the seven. Mortgage has 11 years left at 3.9%…
Six weeks in, portfolio is fine, spending is under plan, and I still get a jolt every second Friday when the salary would have landed. I keep opening the brokerage app for no reason. People further out: does this…