longway2go
Confused about dryer sheets
- Joined
- Feb 12, 2016
- Messages
- 1
Hi, I am 43 married with one smart teenager at home. When I say smart I mean he is in his second year of high school taking tough courses and has a 4.6 GPA. I hoping that will help with paying for college.
Recently we had to file Chapter 13 due to poor decisions on my behalf. I am usually pretty good with money but I have several sleeping disorders along with a recent diagnose of being bipolar. I can see it now, anyway after years of poor sleep and barely surviving(the lack of sleep) I started spending without thinking and that was our down fall. I am now back on track and I have always planned on an ER. For me an ER would be around 55 but I have a long way to go before I am ready in the money part. I only started my 401k five years and contributed very little. I had just upped it 15% when my bankruptcy attorney told me that the trustee would only 6% (company match) so when BK is over will have a lot of ground to make up and will max out my contributions. I am not sure what my other steps should be besides trying to build a good emergency fund. I will wait till I read some more on the forum before asking specific questions but I look forward to learning.
Recently we had to file Chapter 13 due to poor decisions on my behalf. I am usually pretty good with money but I have several sleeping disorders along with a recent diagnose of being bipolar. I can see it now, anyway after years of poor sleep and barely surviving(the lack of sleep) I started spending without thinking and that was our down fall. I am now back on track and I have always planned on an ER. For me an ER would be around 55 but I have a long way to go before I am ready in the money part. I only started my 401k five years and contributed very little. I had just upped it 15% when my bankruptcy attorney told me that the trustee would only 6% (company match) so when BK is over will have a lot of ground to make up and will max out my contributions. I am not sure what my other steps should be besides trying to build a good emergency fund. I will wait till I read some more on the forum before asking specific questions but I look forward to learning.