I decided to put up my 2019 goals on sidebar. Which are pretty much the same as 2018, except that my $12,000 salary decrease means that we will have to fund IRAs from other monies.
Our health insurance went up $50/month and I may have some more expenses with the third car, BUT I already lowered our expectations about funding IRAs, so just didn't want to cut back on any of our other savings. So I probably committed to saving at least $50/month I don't have, but I suppose I am presuming I will eventually get a raise to cover it.
Money that was going to taxable investments before, is now going to 401k. From a net worth standpoint, it's all well and good, but I am not thrilled because I feel like I need a bajillion dollars cash (teen drivers x2, braces x2, home repairs, etc., all in the very near future). "College savings" is accordingly on the back burner again, but I am okay with earmarking ROTH money (for college) during years we contribute 20%+ to retirement. Otherwise, it wouldn't make any sense to be so retirement heavy, at the expense of the rest of our finances, but everything is so "hell if I know," I'd rather err with piling up ROTHs.
I do also expect some side income in 2019, but will just be hoarding up cash to fund IRAs and to pay for big planned expenses.
2019 Goals
December 30th, 2018 at 02:49 pm
December 31st, 2018 at 07:08 am 1546240134
January 1st, 2019 at 05:15 pm 1546362936