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Do you have any financial changes for 2015, Young ER Dreamers? We have updated a few of our contributions due to the new 2015 limits. We did some end of year analysis and figured we can start contributing to our 403b which were put aside for a while. The plan is $1000/mo for each of us on...

Just hit the three-quarter million mark in the retirement accounts! Only 16 months ago we were at half a million. That's a 50% increase in 16 months. Crazy! Just doing the same contributions we always have. However, just last month we got some COL raises so we are now adding to the 403bs...

So I have a goal of setting up our wills and living wills in 2014. Since we're not having kids, and all of our nieces and nephews are minors (6 under the age of 7), how do the other people on here without offspring divvy their money? I'm guessing you'd have to set up something a little more...

A totally unexpected raise! So this degree I went back for that took me 5 years (I had no engineering background when I started, it was a long road), has increased my salary 33% in 2 years! I am very grateful, it always doesn't work out that way. I had an intial raise soon after graduation...

What is your pre-retirement income strategy for before age 59.5 when most accounts are going to be accessible penalty free? We are still 13-15 years away from a proposed retirement age, but H and I could have 10 years in pre-retirement. We are 35 & 37 right now. The proposed income sources as...

If you were in this situation, would you get life insurance on the higher wage earner? I know that I would not be able to afford to stay in our current house long term on just my salary. If he were widowed, he would not need any insurance on me. He lived in the house just fine financially...

Last year, I finished a Master's degree in water resources engineering and hydrology all while working part to full-time at my current job. Took me 5 years to complete while working, I started with Calc I! I paid off all my student loans before graduating too! I've taken on new tasks at work...

I think I need a dose of “relax” from someone! H and I are big savers. Overall, we’re pretty moderate people in terms of wants. We like to camp for vacations. I buy clothes at the local thrift shop. My car is so quirky I probably could never resell it to anyone. We don’t have expensive...

My husband and I just passed the half a million mark! I am 36 and he is 34. A total of 50.2% of our income goes into retirement (36% of our own income, plus our university employer gives us 14.2% of our salaries). We're contributing to: two 457(b) accounts (maxed) two Roth IRAs (maxed) one...

I have a niece and nephew who are turning one pretty soon (they are cousins, not twins). I used up all my brain power to figure out Christmas toys just two months ago. I'm sure a 1 year old won't remember getting a gift, so I want to do something practical and useful. I saw this UGift thing...

Hello, I mostly check out the Young Dreamers section but then I saw this area. I'm 36 years old, my husband is 34 years old. We recently got married just the two of us in the Canadian Rockies (we're US Citizens though). We've always wanted to visit there! Gina is the name of our dog –...

Having just gotten married, I am changing my status/name with my work. I am 36, hubby is 34. As dual university employees, we have the option of this "wonderful" dual coverage plan. HR is really pushing it. The plan involves $2366 yearly premiums as dual coverage. $1.25 generic drugs (90...

I am considering opening an HSA (Health Savings Plan) through my work. My husband and I recently got married and we work for the same university. He is on the HDHP ($1500 deductible, then 20% kicks in) and has an HSA that he maxes yearly. Currently, I pay monthly premiums and have a good Rx...

My husband and I just got married in August (weddingmoon elopement roadtrip to Canada, just the two of us). I am 36 and he is 34. We do not plan to have kids. Together, in the past year, we are maxing out two 457b accounts, two ROTH IRA accounts, and one HSA account. We both work for a...

Hello all, 35 here and I own a house. I'll be moving in with my fiance soon who also has his own house. I'm trying to decide if I should keep my house or sell it. No plans to move back into it. I think the numbers say sell, but there's that emotional factor of letting go of that house and...