That last post was pretty negative and while accurately reflective of my life at the micro level, I thought I’d follow it up with some awesome successes I’ve had at the macro level in 2015 so far:
- Discovered FIRE! I never knew this community existed and I had no idea early retirement was even possible. I immigrated to this country from a place where everyone worked into their grave so my big privileged millennial-American goal for years was retirement by 65. Since discovering FIRE, I’ve realigned my goal of retirement to 45 (or sooner) and couldn’t be happier about it (I’m 29 now).
- Paid off the last of my $37,136 in student loans after 3.5 years.
- Increased my annual income by $15K with a new job.
- Started tracking my net worth, debts and retirement vision in a series of elaborate google sheets that I love geeking out over.
- Started saving aggressively towards retirement with a maxed out IRA and 401K. FY16 will include the added maxing out of an HSA and the introduction of saving the tax savings into a brokerage account.
- Established a 10+ year financial vision! This is a bit redundant with what I’ve said before, but I wanted to reiterate this separately because it relates to a target state of saving $750-$900K to retire.
- Learned about the perks of maxing out traditional retirement accounts for the tax savings and then investing those savings.
- Started seriously saving towards an emergency fund.
- Adopted a more minimalist lifestyle that doesn’t involve eating out every day (which I’ve done for years now) and discovered the joys, trials and tribulations of cooking/baking.
- Started paying attention to my investment fees and almost immediately rolled over my previous employer’s 401K from Fidelity to a Vanguard IRA.
- Minimalism! Still working on optimizing this one, but I have drank the coolaid.
I consider myself very lucky for what 2015 has given me so far and I am pretty stoked to see what the next decade holds.