I am memorializing goals in my sidebar.  

Pay cash for college ✔

$10K to Savings ❌

Final tally was $4,742. 

The plan was to use this money to pay cash for college.  At the end of 2023 we had roughly -$0- cash plus emergency funds.  So that's about how it sorted out.  That we had just enough to cash flow college.

We most definitely failed at this goal.  But I just copied the commentary from last year and it still held true.  So I am happy enough to squeak by (with what we need).  Failing this goal is due to several big and unexpected expenses in 2023.  

(We did not fail enough to say no to anything that we said yes to.  As long as we had the cash, we were fine with falling short of our goal.)

$7K to Investments ✔

Final tally: $7,781

I did cheat a little bit on this one.  Included the $2K investment in MH's movie towards this goal.  It wasn't what I had in mind when I made the goal.  But I couldn't justify setting any more cash aside in taxable investments.  We did invest the money and will just call that a win.

9% Income to Work Retirement Plans ✔

MH and I both contribute the minimum for 401k match.  The 9% includes employer contributions.

$13,000 to IRAs 2023 ✔

Done.  We won't fund until we do our taxes and the year is over.  But we did end the year with an extra $13K set aside for IRAs.  This is mostly thanks to annual cash gift from in-laws.

This year was rough but I would not have given up.  Without the gift, we probably would have taken until April to save up at last $6,000 for one IRA and probably would have just used the taxable investments to fund the second IRA.  I had diverted $6K last year (from my IRA) to Invisalign.  So I was pretty hell bent on maxing out our IRAs this year, even if it meant failing our investment goal.  I didn't want to have a retirement contribution shortfall two years in a row.