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My wife and I are both residents in HCOL area. Maxed out back door roth IRA + Roth 403Bs. (5.5k+18k)*2=47k saved for the year... woohoo! (And thank you WCI!!)
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My student loans: gone on Tuesday!
atta boy!
Looks like you had a great year all around, but I vividly remember the day I wrote my last student loan check.Comment
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1. paid off the rest of my student loan debt - $26,600 (down from 220k at its max)
2. hit a pre tax savings rate of 43% for the year (woo hoo!)
3. surpassed the 200k mark in net worth, hopefully on track to get to a quarter mil by June 2017Comment
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Joined the two comma club sometime in the late Spring 8-)
Became a pretty avid card churner and bank bonus chaser. Guessing I've made the equivalent of around ~$5,000 at that side venture. Enjoyed a lot of free vacations.
Paid off $100k on my home. Another $150k to go.
Also TLH'd ~$44,500 (congrats POF, you win by $500
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Thats amazing! Are you in private practice psych making enough to get to that net worth so quickly???Comment
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Nope, I'm doing inpatient. I somehow managed to have a low six figure net worth coming out of med school with jobs, savings, gifts, and lack of loans, and then just moonlit a bunch in residency and rode this seven-year bull market to where I am. I had no idea how lucky I was when I started out.Comment
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1) Started taxable investment account (in January, great timing)
2) Switched all retirement money to lowest cost funds
3) Reread Bogelheads book
4) Finally joined WCI forum (today)Comment
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1) Started taxable investment account (in January, great timing)
2) Switched all retirement money to lowest cost funds
3) Reread Bogelheads book
4) Finally joined WCI forum (today)
Welcome! :-D
Sorry 'bout your burnout, though, I guess that's going to be goal #5, getting out of that rut?Comment
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1. Paid off about 50k of student loans. The rest are 2.3% or lower. Tempting to just pay them off..
2. Started taxable account. TLH for the first time.
3. Maxing all retirement plans, 529 and roth.
4. Mostly avoiding lifestyle creep. Though we did buy a boat and a new truck..Comment
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In last year of fellowship.
1. Just this month reached a 6 figure positive net worth.
2. Maxed out both Roth IRAs, HSA, my 403b, wife to company match (crummy 401k)
3. Continue to pay off 3.5% fixed student loan debt with plan on ridding in 1-2 years after becoming an attending.Comment
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Also TLH’d ~$44,500 (congrats POF, you win by $500 )
Nevermind -- you win! I doublechecked and was including most of last year's harvest in that figure. My bad.
4) Finally joined WCI forum (today)
Glad you found us! BTW, it's better to burn out than fade away. At least that's what Def Leppard told me.Comment
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Also TLH’d ~$44,500 (congrats POF, you win by $500 )
Nevermind — you win! I doublechecked and was including most of last year’s harvest in that figure. My bad.
4) Finally joined WCI forum (today)
Glad you found us! BTW, it’s better to burn out than fade away. At least that’s what Def Leppard told me.
Hmm, I thought it was Neil Young (Hey, Hey, My, My)! ?Comment
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Also recounted in Kurt Cobain's (alleged) suicide note.Comment
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--Managed to hoard cash to reach 20% down for a house when we accelerated our purchase timeframe by a year and sold our old house with a nice amount of appreciation (without using the proceeds as part of the downpayment)
--Still maxed Roth IRA x 2, 403b, HSA, and kept up 529 contributions (modest). Wife's 401k going to be a bit short because ...
--Had a third kid a couple months ago. Wife had reduced pay for a few months while on leave, and along with that I didn't factor in the lack of contributions during this timeframe, so can't catch up all of her 401k before the year ends (her contributions were reduced significantly for several months so we could hoard cash for the downpayment and move)
--Purchased the requisite minivan to fit the family without a loan
--AVOIDED buying a ton of fancy stuff for this relatively fancy house (so far).
--Started browsing at thrift stores more regularly (thanks PoF!). My wife is thrilled about that one... actually, she's mostly just embarrassed that I love wearing t-shirts around town that cost $1 (but I think they look like they're worth at least $8).An alt-brown look at medicine, money, faith, & family
www.RogueDadMD.comComment
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Just over a year out of Residency and had a big year...
- Made partner in my private practice group and began the 5 year buy-in
- Became eligible for 401k and have put 20% gross in so far
- Refinanced the house at 3.6%
- E-fund up to 6-8 months living expenses
- First Roth IRA conversion
- Joined Personal Capital and found out I am a 1/4 Millionaire!!!
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