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.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.
December 24th, 2023 at 06:13 am 1703398437