The December 2025 statements have landed and here's how our investments sit. The Roth/HSA tax free bucket should surpass after tax in another month or two. This is the focus of most of our future investment contributions: +8,600 Mr. Roth IRA, +8,750 Mrs. HSA, +24,500 Mrs. Roth 403b, +7,500 Mrs. Roth IRA. As for asset … Continue reading Year End 2025

Limits courtesy of The Finance Buff and his early inflation projections. With the federal government shutdown, the official numbers may be further delayed. The ones that pertain to our 2026 savings plan: Account2026 Contribution LimitIncrease from 2025NotesMrs. 403b$24,500+$1,000Roth 403bMrs. 457b$24,500+$1,000Mrs. HSA$8,750+$200family coverageMrs. Roth IRA$7,500+$500Mr. Roth IRA$8,600+$1,600someone turns 50Total$73,850+$4,300

I keep a historical spreadsheet with our month end investment, cash and total numbers. I split it out into Mr, Mrs, and combined tabs by account ownership. The data goes back to December 2017. I noticed the other day that Mrs. Dress Pockets had 125k then. Dec 2017 Fast forward 7.67 years (92 months) and … Continue reading Arbitrary Milestones

Our 2025 investment contribution plan looks like this: AccountContribution LimitStatusMrs. 457B$23,500✅Mrs. Roth 403B$23,5007/12Mr. Roth IRA$7,000✅Mrs. Roth IRA$7,000✅Mrs. HSA$8,5507/12I-Bond$10,000DecemberTotal$79,550On targetNot a lot of Mr. contributions above other than pulling strings behind the scenes. The last few years Mrs. Dress Pockets has been front loading her 457B deferred compensation plan with a 25% contribution rate. The goal … Continue reading Super Savers

Spend less than you earn. Invest the surplus. Avoid debt. JL Collins It was likely early 2018 when I first read The Simple Path to Wealth by JL Collins from the public library. I read it a second time from the library in January 2023. I purchased the new revised edition and finished reading that … Continue reading The Simple Path to Wealth

May 4th marked the two year anniversary of pulling the emergency break on my employment. The kids and therefore I are still busy with school at least until Wednesday when I get busier with summer break. I still don't miss the work meetings. In addition to keeping the latest month's numbers for the pie charts … Continue reading Two Years of Mr. “Retirement”

When oldest daughter was home from college on Christmas break, she opened a new Capital One checking account solely in her name and closed the joint MONEY Teen Checking that we opened together a few years prior. This finally got me down to 2 checking accounts, one joint checking with Mrs. Dress Pockets and one … Continue reading -2 Accounts; +2 Accounts

We need a new tagline for the blog (and someone to write more timely posts). When the price of Bitcoin crossed $100k in early December, I sold my 3.445 ten thousands of a bitcoin. This 0.0003445 BTC came from a Coinbase Super Bowl advertisement of a bouncing QR code in February 2022. Gross proceeds from … Continue reading Pockets for Index Fund

We walked into our local credit union to close our accounts this weekend: a premium money market account yielding 1.85%, a savings account with $5 to keep the membership open and an increasingly isolated checking account both yielding 0.05%. Our last CD had matured the month prior. Mrs. Dress Pockets expressed some reservation in losing … Continue reading Brick and Mortar

Taxes in July has now become taxes in August and September. The IRS reduced our refund and sent us a Notice CP24 in the mail. The refund delta maps perfectly to taxes withheld on closure of an IRA payable to the estate of Mrs. Dress Pockets's father. I tried to call the IRS telephone number … Continue reading Back to School