fredtwinbent
Confused about dryer sheets
- Joined
- Jun 23, 2011
- Messages
- 2
I am 31, married and my wife and I have ~48k distributed among Roth IRAs and 401ks with an additional ~22k in taxable mutual funds (this may be a down-payment in the future.)
We do not have much in the way of other savings, maybe 2-4k in bank accounts that fluctuates from month to month but always use this to pay monthly bills. We hold no consumer debt but I have ~ 24k in student loans at 2.2%.
We rent and I currently make 51000 with a 4% employer match and try to sock 10% away pre-tax + the 4% match. I also have maxed out my Roth in previous years but that will be tighter to do now. Wife currently does not have a job since we just moved for mine but will probably work in the future, although we look forward to starting a family and buying a house in the future.
I have no sense of where I stand on my road to retirement. I like my job and like to be engaged in society, so I do not want to necessarily quit working early but as the years go by I may get more tired.
Am I on track? Do I not nearly have enough? What should I be doing differently.
We do not have much in the way of other savings, maybe 2-4k in bank accounts that fluctuates from month to month but always use this to pay monthly bills. We hold no consumer debt but I have ~ 24k in student loans at 2.2%.
We rent and I currently make 51000 with a 4% employer match and try to sock 10% away pre-tax + the 4% match. I also have maxed out my Roth in previous years but that will be tighter to do now. Wife currently does not have a job since we just moved for mine but will probably work in the future, although we look forward to starting a family and buying a house in the future.
I have no sense of where I stand on my road to retirement. I like my job and like to be engaged in society, so I do not want to necessarily quit working early but as the years go by I may get more tired.
Am I on track? Do I not nearly have enough? What should I be doing differently.