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 really can't believe it, but we had another raise announced this week. It was 5% this time. I never would have expected another raise after the 16% raise we received last year & the 4% annual raise we got in January. I think we are also going to get retroactive pay for the raise back to April. What makes this better than the 10% retention is that it goes toward your pension calculation & your match calculation.
I have no plans to increase savings. If I end up with a lot of cash in my checking account - like I did last year - I will make a contribution to my brokerage account, but otherwise I just plan to enjoy the money for once. I max out my TSP & IRA every year. I contribute monthly to my brokerage & savings. This time I'm going to learn to relax & enjoy the present rather than save for the future.
May 27th, 2023 at 07:32 pm 1685215935
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June 1st, 2023 at 05:08 am 1685596108