Accomplishments in FY15

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.

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