I am 46, single, no kids. I am a health care professional. I feel that I'm generally a very good saver and a not so good budgeter - hence the credit card debt payoff I worked through in 2020.I've gotten in the bad habit of waking up in the middle of the night, in which case I end up on my phone, like now.
Still no retention bonus on our checks. I believe that once is goes through the process that we will get retroactive payments, which will be nice. We were under the impression that it could happen a lot quicker than it actually has so that leaves people feeling frustrated.
I'm still not quite sure how I would like to allocate this money. I am saving $1,000 cash monthly already. I'm not sure that I want a lot of cash on hand, but at the same time I feel like my cash reserves are minuscule compared to my investments. Perhaps I should keep building it for a future car purchase? It's either that, or fund the brokerage for a home purchase.
In hindsight I do have a little regret about front-loading my IRA in January, right before the market started tanking. Maybe next year I'll go back to monthly contributions. If only we had a magic ball to predict these things!🔮
April 29th, 2022 at 03:39 pm 1651246784
May 1st, 2022 at 11:37 pm 1651448242
I have found as I have gotten older, I often have more trouble sleeping. Not to say you are older, but just a comment on my own life. I also try to stay away from electronics even if I wake up. Something about the blue light they show keeping your brain up.