2023 Q4 is done for the year:

TSP $1,040,872

IRA $306,280

Brokerage $91,409

Total Investments $1,438,561

For comparison, 2022 Q4:

TSP $810,864

IRA $243,949

Brokerage $79,994

Total Investments $1,134,888

ANNUAL Gain/Loss $303,673

A few this and that as the year comes to a close.

I upped my monthly IRA contribution to $575 per month, which would bring my annual contribution to $6,900 annually. I'll put in an order for $100 on January 1st to get me to $7,000.

I increased my biweekly TSP contribution to $900 which will max me out for the year at $23,000. They reduce the last paycheck's contribution automatically.

Based on tax efficiency I got out of the high dividend yield fund at Vanguard and exchanged to the tax managed capital appreciation fund. VTCLX return was much better than VHYX this year. I could kick myself for not making this change earlier, but c'est la vie, non?

My last paycheck was about $800 higher than usual so I must have been paid for my performance award. My other paycheck was higher as well after working extra hours on my last weekend.

I'm excited & ready for 2024, but enjoying time spent with family this Christmas.

Yesterday my Thrift Savings Plan balance crossed $1 million for the first time. $1,001,824.87 to be exact. 

My Roth IRA balance is $295,011.92. If this holds steady I can expect to cross $300k next year. 

I signed up again for YNAB. I had done the free trial back in 2016 or 2017 and was throughly confused so after the free trial I let it go. I've been looking for something to replace Mint & signed up for Credit Karma, but I haven't been impressed. I have an account with Empower, but don't care for how they are always trying to sell me their services. I guess that's fair since the service is free. They have to make their money some way. So, I decided to try YNAB again and to my surprise I qualified for another free trial. So far, so good. I feel like they've improved some things as I'm not quite as confused as I was last time. There's still a learning curve, though.

$994,975.78 was my account balance on Friday. Getting close!

Contribute $23,000 to my Thrift Savings Plan. My match will be a little over $6,000. 💰

Contribute $7,000 to my Roth IRA. 💰

Contribute $2,600 to my Flexible Spending Account. 💰

Save $6,000 in my brokerage account. 💰

Save $6,000 in my savings account. 💰

Buy or build a new home with $100,000 down. 🏡 

Keep dancing! 💃🏾 

Cherish every moment & memory made. 💗

One of my CDs pays the monthly dividend on the 1st so I'm always a day late.

TSP $980,827

IRA $290,549

Brokerage $86,295

Total Investments $1,357,671

Cash Savings $30,835

Total Net Worth $1,388,506

Monthly Gain/Loss +$117,446

Checking $16,841 (included this month just to give an idea of what I usually have for cash flow, not included in my net worth calculation)

Car $15,062 (checked Kelley Blue Book value this morning, also not included in my net worth calculation)

My investments gained another $14,000 just one day later. I'm less than $9,000 away from reaching one million in my TSP. So close!

I had an alert set on my phone to open another CD at Capital One today, but have been thinking that I would just keep it liquid while looking for a house. I have two CDs maturing on January 2nd and February 1st and those are both set to transfer to savings rather than renew. That will give me a nice cushion for the new home purchase. Also, I checked rates this morning and the 5.30% 10 month CD is now 4.30%, which is what their savings account is paying. I can go to 12 months for 5.00%, but I think it's better to hold on to cash.

Net worth looks great for November. I'll post final numbers today or tomorrow. Investments are almost to July 2023 numbers. I have exceeded the high of 2021 Q4, but only because of added contributions. I am on track to max out my retirement plans.