monkeymama.savingadvice.com
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Just not interested in high-interest debt, using debt to buy beyond means, and not interested in the hassle that comes with loans and payments. I am moving 2018 mortgage goal here, to make up in 2020. Goal savings rate = 20% of gross salary, plus funding IRAs from other sources [ ]$12,000 to IRAs 2019 (MAX) ...($0 @ 1/31/20) ... $ 70,000 (partial year) 2018: +$ 51,000 2019: +$105,000 TOTAL: +$226,000
Just a 41-year-old mom of 2 in Northern California. My kids are Monkey Monkey(MM) and Drama Llama (DL)
*Caveat: I have no problem whatsoever with credit cards paid off monthly, or low-risk credit arbitrage (for example, 0%-interest debt while earning 5% on FDIC-insured cash). Just not interested in high-interest debt, using debt to buy beyond means, and not interested in the hassle that comes with loans and payments. Goal savings rate = 20% of gross salary, plus funding IRAs from other sources STRETCH GOAL: [ ]$6,000 to mortgage ...($0 @ 01/01/19) ... In addition, we save 100% of MH's (net) income ~ most goes to 401k/taxes.
*Caveat: I have no problem whatsoever with credit cards paid off monthly, or low-risk credit arbitrage (for example, 0%-interest debt while earning 5% on FDIC-insured cash). Just not interested in high-interest debt, using debt to buy beyond means, and not interested in the hassle that comes with loans and payments. Goal savings rate = 20% of gross salary, plus funding IRAs from other sources STRETCH GOAL: [ ]$6,000 to mortgage ...($0 @ 01/01/19) ... In addition, we save 100% of MH's (net) income ~ most goes to 401k/taxes.