fireandearth
Dryer sheet wannabe
I’ve got my 6-month emergency fund, my complete next-car fund, no debt, and 15% going into the 401k. The map for that part of the journey was pretty clear. I’m feeling a little adrift now. Keep saving, yes, but how do you maintain focus when the goal is 20 years away? What are the milestones along the way?
Practically, I need to learn more about investing, but it feels way more intimidating to invest outside a retirement account. I’ll need a house at some point, but I have no interest in being tied down to one any time soon. I don’t want to lock all of my resources in retirement accounts because I’ll need some of it before then, but what proportion?
Emotionally, I’m starting to feel guilty because many of my friends are struggling financially and I’m not – but they make more money than I do! I am fiercely proud of what I’ve accomplished, but uncomfortable talking about it. I’m frustrated because I want to go on fun vacations, but my boyfriend is locked into an underwater mortgage and 25k in consumer debt and can’t afford it.
Practically, I need to learn more about investing, but it feels way more intimidating to invest outside a retirement account. I’ll need a house at some point, but I have no interest in being tied down to one any time soon. I don’t want to lock all of my resources in retirement accounts because I’ll need some of it before then, but what proportion?
Emotionally, I’m starting to feel guilty because many of my friends are struggling financially and I’m not – but they make more money than I do! I am fiercely proud of what I’ve accomplished, but uncomfortable talking about it. I’m frustrated because I want to go on fun vacations, but my boyfriend is locked into an underwater mortgage and 25k in consumer debt and can’t afford it.