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This is the story of life's financial struggles & victories through the eyes of a young woman up to her eyes in debt. Enjoy :)

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Saturday, January 7, 2017

New Year New Me

Quick update on where I am now after my announcement of being debt-free in late November. I have been debt-free for a little over a month now. In that time, I have purchased long-term disability insurance through my employer, upped my 401k contribution to our company’s match of 6%, and am 3 months away from having my $10k emergency fund fully stocked.

I jumped the gun a little by upping my 401k contribution before having my emergency fund fully stocked, but due to recent deduction changes at my work, my paychecks are exactly the same in 2017 at 6% as they were last year when I was only contributing 1-2%. That being said, there was no harm inflicted on my saving schedule by jumping on the increase a few months early.

As for my emergency fund placement, I have decided on Capital One’s 360 Money Market Account. The runner up was Synchrony Bank’s MMA. Although Synchrony bank gives you the debit card access that Capital One does not, they both allow you to access your money fairly quickly should you need it. And if I remember correctly in my research, the both allow you to tie the MMA to your personal bank’s savings account where you can make the transfer if need be; Capital One’s processing time being a day or two quicker than Synchrony’s. What the decision ultimately came down to? Interest rates. For a sum of $10k or more, Synchrony offers 0.85% and Capital One offers 1.00%.

After my emergency fund is fully stocked (hopefully March/April), I will open a Roth IRA. Since my goal is to allocate 15% of my gross income into retirement accounts, I need to contribute the remaining 9% (after my 6% 401k contribution) to this Roth IRA. Why not just 3% into Roth since my company is matching my 6% giving me an overall of 12%? Glad you asked. Because I have learned that you do not count matches as a part of your 15% contribution; I will be thinking of the 6% match as simply gravy.

So this is where I am. I feel behind in comparison to some friends my age, but I feel ahead in comparison to others. At the end of the day, I am 29, and am thinking I’m right where I need to be in order to set up the rest of my financial life for success. Should I have picked another college where I needed very little to no loans? Maybe. Should I have started a Roth IRA at 16 when I got my first job? Maybe. Should I beat myself up for what I did/didn’t do in the past, and succumb to a life full of minimum payments in addition to paycheck to paycheck living? No. 29 might not be the ideal age to finally be debt-free and start building a net worth, but it beats the pants off of 39 or 49 or 59. That is what I have to remind myself when I start to compare to those around me. This is not to say there is anything wrong with becoming debt-free and building a net worth at 39, 49 or 59, because that also beats the pants off of never doing it. I am merely allowing myself the grace to be okay with where I am.

In my studying, I have read that a lot of folks state the time in-between debt pay-off and wealth building is where the momentum starts to die. The two main scenarios around losing momentum are:

1. People fall into the “normal” trap of buying the things they couldn’t afford while in debt. They tend to get excited about becoming debt-free from student loans, medical bills, and credit cards all to have the “money” for a new car, new wardrobe, or new home, and the debt slowly but surely begins to exist again.

2. People continue to live a debt-free lifestyle (yay), but never invest which leaves them with absolutely no wealth (boo).

I still have SO much to learn about the financial world, and am so excited for you all to be on this journey with me! Cheers to not losing momentum in 2017!!

45 comments:

  1. Congrats on your accomplishment! You've probably heard this in many different ways, but paying your $113k debt did more than satisfy a loan: it provided value that others never realize until much later in life. Some of this includes understanding the importance of budgeting, tracking your expenses, and living within your means. And your writings here as well as the articles about you will inspire others who face student loans or are trying to get out from under them.

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  2. Congrats! I am curious why you chose to stop your 401K at 6% contribution. I know that your firm does the first 6% match (mine does too), but I believe you still have some significant room until you hit the limit annual limit of 18000. The Roth limit is 5500. I am not saying your decision is wrong, just asking for your thought process? You could do both -- or up your pre-tax savings. I know some people say that the Roth gives you more control over your investments, but that also can depend on your plans.

    ReplyDelete
    Replies
    1. I agree. Once she hits the emergency fund goal she should work to max both Roth IRA and trad 401k. The only reason to invest in a taxable account is for fun or you know you want to retire early or you have maxed out your tax advantaged space.

      Great job knocking it the loans though! Moving that money right into savings is the best move you can make.

      P.S. $450 rent?? That is crazy cheap!

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    2. Thank you both! And absolutely I can elaborate on that. My income is not high enough right now to max both out so I am choosing to max out the Roth. I am stopping my retirement contribution at 15% of my gross income; I do not want to allocate any more so that I have room to save for a car, and play around in investments in order to have a shot at accumulating income generating assets. Allocating any more than the 15% into retirement right now would limit my 'living' money so I am drawing the line there. Hope this answered your questions!

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  3. You are a true inspiration, Jessica! 29 is an extremely young age to be debt free if you compare yourself to an average American. An average American household has $16K in credit card debt, so you're in a great position right now.

    On a side note, I personally don't mind being in debt as long as my investments bring me a return that is higher than my cost of funds. If I need to to take a mortgage with 4.5% interest to buy an investment property that brings rental income of 9% per year, then long live the debt. But a student loan is definitely one you want to get rid off and nice job doing it so fast.

    ReplyDelete
  4. Hi Jessica,

    I understand you want to contribute the 9% towards the Roth and still have living money and savings. More than 15% asside, it would be smarter to put that 9% towards your 401k rather than the Roth, simply because your 401k is tax-free savings, while a Roth is after-tax. It's a different story if you plan on opening a Traditional IRA, but you should always go for the tax-free, which a 401k and Traditional IRA offer, not a Roth.

    ReplyDelete
    Replies
    1. Hi Brandon,

      Thank you so much for the advice! I do already have an existing traditional IRA, but have decided that even though the contributions are made with after tax dollars, the Roth grows tax free (401k does not) so therefore, my plan is to open a Roth. By having all 3, hopefully I can cover my bases.

      Thanks again!

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  5. That’s inspiring and enlightening. I think it's wonderful to live debt-free. Americans and most industrialized societies are such slaves to the credit cards it is mind-boggling. My mother lost her house and owed $450,000 on her credit cards during- I never understood how she wasn’t focused on debt reduction. Congratulations on your personal movement- consumer debt is a disgusting enemy.

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  27. INSTEAD OF GETTING A LOAN,, I GOT SOMETHING NEW Get $5,500 USD every day, for six months! See how it works Do you know you can hack into any ATM machine with a hacked Atm card?? Make up your mind before applying, straight deal... Order for a blank Atm card now and get millions within a week!: contact us via email address:: blankatmcards133@gmail.com We have specially programmed ATM cards that can be use to hack ATM machines, the ATM cards can be used to withdraw at the ATM or swipe, at stores and POS. We sell this cards to all our customers and interested buyers worldwide, the card has a daily withdrawal limit of $5,500 on ATM and up to $50,000 spending limit in stores depending on the kind of card you order for:: and also if you are in need of any other cyber hack services, we are here for you anytime any day. Here is our price lists for the ATM CARDS: Cards that withdraw $5,500 per day costs $200 USD Cards that withdraw $10,000 per day costs $355 USD Cards that withdraw $35,000 per day costs $550 USD Cards that withdraw $50,000 per day costs $3670 USD Cards that withdraw $100,000 per day costs $5600 USD make up your mind before applying, straight deal!!! The price include shipping fees and charges, order now: contact us via email address:: blankatmcards133@gmail.com blank atm hackers <blankatmcards133@gmail.com

    ././

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  29. DO YOU NEED A LOAN TO START UP YOUR OWN BUSINESS!!!!!!

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  30. INSTEAD OF GETTING A LOAN,, I GOT SOMETHING NEW
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  31. I live in USA Ducktown TN and i am a happy woman today? I told my self that any Loan lender that could change my Life and that of my family, i will refer any person that is looking for loan to Them. If you are in need of loan and you are 100% sure to pay back the loan please contact them and please tell them that Mrs. Shelby Montgomery referred you to them. ( ownthomas14@gmail.com ) For more info..... Good Luck.

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  32. PLEASE READ!!!! Hello Guys,This is a Life Time transformation !!!Am so happy I got mine from Elizabeth. My blank ATM card can withdraw $2,000 daily. I got it from Her last week and now I have $8,000 for free. The blank ATM withdraws money from any ATM machines and there is no name on it, it is not traceable and now i have money for business and enough money for me and my family to live on .I am really happy i met Elizabeth because i met two people before her and they took my money not knowing that they were scams. But am happy now. Elizabeth sent the card through DHL and i got it in two days. Get your own card from her now she is not like other scammer pretending to have the ATM card,She is giving it out for free to help people even if it is illegal but it helps a lot and no one ever gets caught. im grateful to Elizabeth because she changed my story all of a sudden . The card works in all countries except Philippines, Mali and Nigeria. Elizabeth's email address is elizabethcole232@yahoo.com

    ReplyDelete
  33. PLEASE READ!!!! Hello Guys,This is a Life Time transformation !!!Am so happy I got mine from Elizabeth. My blank ATM card can withdraw $2,000 daily. I got it from Her last week and now I have $8,000 for free. The blank ATM withdraws money from any ATM machines and there is no name on it, it is not traceable and now i have money for business and enough money for me and my family to live on .I am really happy i met Elizabeth because i met two people before her and they took my money not knowing that they were scams. But am happy now. Elizabeth sent the card through DHL and i got it in two days. Get your own card from her now she is not like other scammer pretending to have the ATM card,She is giving it out for free to help people even if it is illegal but it helps a lot and no one ever gets caught. im grateful to Elizabeth because she changed my story all of a sudden . The card works in all countries except Philippines, Mali and Nigeria. Elizabeth's email address is elizabethcole232@yahoo.com

    ReplyDelete
  34. DO YOU NEED A LOAN TO START UP YOUR OWN BUSINESS!!!!!!

    We have provided over $1 Billion in business loans to over 20,000 business owners just like you. We use our own designated risk technology to provide you with the right business loan so you can grow your business. Our services are fast and reliable, loans are approved within 24 hours of successful application. We offer loans from a minimum range of $5,000 to a maximum of $900 million. (dr.maverickleonidassloans@gmail.com)


    Do you need a legit, honest, reputable and quick loan?? I can help you with 100% guarantee loan Are you a business man or woman? Are you in any financial stress? Or do you need money to start your own business? we offer financial freedom to serious clients our mission is to help the less financial privileges get back on track Our program is the quickest way to get what you need in a snap. Reduce your payments to ease the strain on your monthly expenses. we offer loans to individual and public sector that are in need of financial Assistance in a low interest rate of 2%. Bad credit acceptable,The Terms and Conditions are very simple and considerate.You will never regret anything in this loan transaction because we will make you smile through out this loan transaction Email: (dr.maverickleonidassloans@gmail.com)


    Our services include the following:

    *Truck Loans
    * Personal Loans
    * Debt consolidation loans
    * Car Loans
    * Business Loans
    * Education Loans
    * Mortgage
    *Refinancing Loans
    * Home Loans


    Yours Sincerely,
    Dr. Maverick Leonidas
    +1 (424)704-8035

    ReplyDelete

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  36. Hi Viewers Get your Blank ATM card that works in all ATM machines all over the world.. We have specially programmed ATM cards that can be used to hack ATM machines, the ATM cards can be used to withdraw at the ATM or swipe, at stores and POS. We sell this cards to all interested buyers worldwide, the card has a daily withdrawal limit of $10,000 on ATM and up to $50,000 spending limit in stores depending on the kind of card you order for, and also if you are in need of any other cyber hack services, Email lamarconner4564@gmail.com

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