Hello there- I really feel dumb however I simply need some perception on the place my husband and I are financially. I come from a household that’s horrible with cash and at all times lived paycheck to paycheck. It’s taken me a very long time to determine easy methods to save and I’m lastly within the groove, however I nonetheless and studying easy methods to set myself up for monetary success.
We’re each 30years outdated, however I really feel like we’re so behind in comparison with what I see on the sub (I do take every thing I see with a grain of salt!). I wish to additionally acknowledge that I do perceive that him and I are very privileged with what we have now saved, however can’t assist pondering that we aren’t ready for retirement. Listed below are a few of our particulars:
Mixed pre tax annual wage: $215k Owe $393k on mortgage, no CC debt past month-to-month steadiness that we repay HYSA steadiness: $26k Brokerage accounts: $30k (invested in S&P500 and NASDQ) Retirement: we predict round $120k (mine is in Roth, his is gov TSP) Word— we do not need/not need children (simply our fur infants!)
Any solutions on easy methods to enhance our financial savings, or put together for retirement? Are we in a superb place? Do we have now sufficient in our HYSA (that is our emergency account)? I really feel like I can do all of the looking out on Google however I don’t perceive. Thanks upfront.
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