malwardt
Dryer sheet wannabe
Did everything wrong, used credit cards poorly, used my home as a bank, spent big money on toys and expensive hobbies. Never thought I would live this long and told myself that for many years (turned 56 yesterday). It is smacking me in the face that I am in trouble but enjoy reading success stories and ER plans on this site. Had a paid off mortgage at 30 but now have refinanced so many times that I'll have to sell and down size eventually. We have about 60K in stock but will be using it to pay off CC debt (thanks D. Ramsey for waking me up). Still making 125K a year and have about 300K in my 401K(neglected to learn how to manage this BTW). Like I said, no hope for ER but decided to at least try and retire modestly someday. Although I get left behind on many of these discussions I still manage to grab a few good ideas. Anyways....I guess I'm just venting and want to get introduced so I can enter a few discussion. Thanks.