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As street said above, starting early and letting time and compound interest do the work was much of it. We figured we were used to being poor college kids, there was no reason not to max out savings as soon as we got our full-time jobs. And we always increased savings rates whenever we got a...

Great pic - I am a happy dog now (metaphorically speaking)!

Although I have very rarely posted, I visited these forums almost daily for most of the last 20 years up until my own retirement 18 months ago. They were a tremendous asset over the years, for which I am very grateful. For those still earlier on in the journey, I thought it might be helpful to...

Thanks all for the suggestions - I'll take the time to review them all and pick one out in the next day or so. Appreciate the help!

Long long time reader (and very occasional poster)... Wanted to get some opinions on this. Sorry if this is turning out to be long. My brother-in-law and sister-in-law are a hard working couple, who have always avoided debt, budgeted well, etc. Good short-term finances for a couple just...

Fantastic start - great job establishing a mentality of saving first. You're well on your way towards an early retirement - just how early, hard to say (for me at least). For what it's worth - I'm about 10 years ahead of you, and had similar priorities (max 401k, house down payment, roth, then...

Have you looked around for used TSX's in your area? For what it's worth, I picked up a certified used 2006 TSX about 14 months ago for $18k, with 31,000 miles on it. Personally, I liked the smaller style that was last built in 2007 better than the new ones, so was only looking at used. But...

Thanks for the advice and comments - much appreciated. Lusitan - sounds like we're in very similar spots, with similar long-term goals. Appreciate the perspective from someone a couple of years ahead of us. jIMOh - will have to give the tax credit idea a bit of thought too - perhaps as we...

Ah - is this what people mean when they "back door" a Roth? Couple of questions: 1) Can I rinse and repeat this every year, or is it a one-time event? 2) Does it matter that we already have Roth's that we started years ago? We contributed to them annually while we were eligible. Can I...

Long time (10 year) lurker - I think this is my 3rd post or so. Have learned a ton from this place over the years, and will continue to read and learn :) A bit about us - DW and I have been fortunate to both have solid professional careers, and to both have naturally good control of expenses...

Amazing how similar that sounds to my wife and I a few years ago. For whatever it's worth, here's what we did, in rough order - perhaps it helps: start up period - first 12 months of our saving cycle post-college - emergency fund to 3 months (MMA) - 401k to full match - save and purchase...

Hi! :greetings10: Have read these boards for nearly 10 years now, and finally decided to register and post. Quick overview on DW and I: - early 30's, DINK's (but likely changing that last part in the next year or two) - strong believers in financial responsibility and the "FI" part of...

Long long time lurker (10 years now!), but first time poster. Have really appreciated all of the advice I've read over the years, it's really helped guide our strategies as we've established our retirement plans. Have a question about a 403(b) that my wife has from a previous employer, and...