Here is where we ended 2023 balance wise:
Holding wise we continued our path towards simple:
| Mr Rollover IRA | 66% VTSAX 34% VBTLX — Now the only place bonds are held other than I bonds. |
| Mrs 403b | 100% VITPX (institutional VTSAX) |
| Mrs 457b | 100% VITPX (institutional VTSAX) |
| Mr Roth IRA | 100% VTSAX |
| Mr HSA | 53% FSKAX — I’ll spend down FSKAX first as Mrs HSA builds up. 46% VTI 1% money market |
| Mrs HSA | Opened in Dec 2023 for 2024 contributions. Will hold 100% VTI. |
| Mrs Roth IRA | 100% VTI — ACATS transfer from Betterment. |
| Mrs Vanguard | 60% VTI 39% ITOT — ACATS transfer from Betterment. Doesn’t make sense to pay capital gains taxes to exchange for VTI. 1% money market |
| Joint Vanguard | 98% VTSAX 2% VMRXX (money market) |
| Joint I Bonds | Three $10k Series I savings bonds plus interest. Purchased Dec (2021, 2022, 2023). |
| Joint Schwab | 49 shares of former employer stock. DTC transfer from Morgan Stanley. |
| Joint Cash | Down to 4 checking accounts from 7. One remaining CD matures in 2024. |
| Mr Coinbase | Still rocking 3.445 ten thousandths BTC from Super Bowl advertisement. Cost basis $15. |
