Over the last few years I've dabbled in using spreadsheets to track some historical account data. I have separate sheets for my Roth IRA, 401k and HSA accounts and they have slowly evolved from tracking nothing but my annual contributions and year end balances to employer match, dividends, and after tax contribution to Roth conversion … Continue reading Quarter Century Club

I always liked Jim Collins's what we own and why we own it blog posts. So in that vein, here is the Mr. & Mrs. Dress Pockets breakdown excluding cash and 529 college savings. Overall our Simple Path to Wealth portfolio has two primary components: VTSAX and VBTLX (or their many equivalents). Keep it simple … Continue reading What we own? Asset Allocation

I ran into a friend this week that I hadn't seen in many moons and he asked how the FIRE thing was going? At first I thought he was asking about our local FIRE club and I said it's sort of on ice at the moment. But then he clarified his question, "No, how is … Continue reading Moving Goalposts

May 1st brought along a 2.71% cost of living salary increase. I decided to round up and increase my 401k before tax deferral from 20% to 25%. Yay for less take home pay. This means I'll be cash flow negative for a few months but the upside is that I'll hit the $19,500 401k deferral … Continue reading 2021 Savings Goals

Welcome to yet another personal finance blog. A few years ago I attempted to start a local FIRE (Financial Independence Retire Early) club. A google group was created, some meetings were held and presentations were given. Then the pandemic hit. Social anxiety and zoom fatigue set it. A pause button was pushed. But the expense, … Continue reading Hello World!