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.At the end of December I had about $19k in my checking account, which is about double my goal of $10k. So I decided to up my savings goal to $1000 a month from $500. I continue to end up with more money in my checking account at the end of the year than I need. In 2022 I did a transfer to my brokerage account at the end of December. Since I'm looking to buy or build a home this year I'll keep that money & just increase my monthly contributions.
Now my revised goals look like:
$23,000 TSP
$6,000 TSP employer match
$7,000 IRA
$6,000 brokerage
$12,000 savings
$2,600 FSA (to fund my vision surgery)
January 14th, 2024 at 07:58 pm 1705262293