Arifriekinel
Recycles dryer sheets
Well, hi! I have checked in on the site before, but never spoken. I'm a very shy speaker, so I'm not sure how much I'll post, but I thought it might be good to try and get involved with a community of savers to inspire me along my life journey.
My boyfriend and I are both very big savers, and would like to get a level of FI in the future to really enjoy doing what we want without the major worries of large disasters.We're in a great position to do so without having to pay for our own healthcare, aside from copays, for 3 more years for him and 7 more years for myself before we're off of our parents' plans, so we really plan on buckling down and saving until then.
Currently, we've got $12,000 in emergency savings, $7,000 in CDs, $5,000 in my ROTH IRA, $10,000 in his ROTH IRA, and $3,000 in cash. We each took $500 back in 2011 to put into stocks and try our hand and individual trading, and I am negative( ) while he's stayed around the same place, so that leaves around $900 there.
Monthly spending is $1,500 give or take, and monthly income varies between $2,000 and $6,000 depending on the month, averaging around $4,600 a month according to one of our bank's automatic budget trackers.
I have no current specific goal except for save, save, save. I've got my end of 2013 goals to add $5,500 to each of our ROTHs, $4,000 to emergency savings, and $1,000 to our general cash. As far as my retirement goal, I'm not exactly sure what that is. I see a lot of people want to retire, but still work at a job they like, but gives them the flexibility and time to do as they please, and our job is already very similar to that.
We work from where we like, when we like, so we travel as often as we sit around in our pajamas all day, and I really do love this life. So the main reason I want to save so badly for retirement as early as possible is so that I can continue living this way even if our work dries up.
I figured joining a community of people farther along in the process than I am would give me good ideas on where you all went, or feel you should have gone, to get off to a good running start.
So hello, again!
Arifriekinel
My boyfriend and I are both very big savers, and would like to get a level of FI in the future to really enjoy doing what we want without the major worries of large disasters.We're in a great position to do so without having to pay for our own healthcare, aside from copays, for 3 more years for him and 7 more years for myself before we're off of our parents' plans, so we really plan on buckling down and saving until then.
Currently, we've got $12,000 in emergency savings, $7,000 in CDs, $5,000 in my ROTH IRA, $10,000 in his ROTH IRA, and $3,000 in cash. We each took $500 back in 2011 to put into stocks and try our hand and individual trading, and I am negative( ) while he's stayed around the same place, so that leaves around $900 there.
Monthly spending is $1,500 give or take, and monthly income varies between $2,000 and $6,000 depending on the month, averaging around $4,600 a month according to one of our bank's automatic budget trackers.
I have no current specific goal except for save, save, save. I've got my end of 2013 goals to add $5,500 to each of our ROTHs, $4,000 to emergency savings, and $1,000 to our general cash. As far as my retirement goal, I'm not exactly sure what that is. I see a lot of people want to retire, but still work at a job they like, but gives them the flexibility and time to do as they please, and our job is already very similar to that.
We work from where we like, when we like, so we travel as often as we sit around in our pajamas all day, and I really do love this life. So the main reason I want to save so badly for retirement as early as possible is so that I can continue living this way even if our work dries up.
I figured joining a community of people farther along in the process than I am would give me good ideas on where you all went, or feel you should have gone, to get off to a good running start.
So hello, again!
Arifriekinel