1-Year Update
Previous post: https://www.reddit.com/r/leanfire/comments/1l412bb/28f_with_67k_annual_income_looking_for_advice/
My (29F) life is so different now than it was when I wrote that post, for the better! I finally got the remote job of my dreams with a new salary of $89k plus access to an HSA and better retirement funds to choose from. I'm now married and we still manage our finances the same way because I prefer it that way. We decided to keep my husband's business more as a side hobby because we're leaving the state next year! Still too soon to have a clear idea of what our FIRE number will be so we're just saving as much as possible. Still saving up a down payment for a house and hoping to buy in our new state in a couple of years. Our current joint gross income is $249,000.
Since my last post, I've been focusing mainly on my 401k and saving for a house. I will be maxing out my 401k and HSA this year. When we move to our new state, my husband will take a pay cut and we'll have to start paying state taxes so we won't be able to save as much but the quality of life increase will be worth it. On to the numbers! Our joint networth in June 2025 was $105k and it is now $187k.
| Year | HYSA | 401k | HSA | Brokerage | Roth IRA | Joint HYSA | Joint Brokerage |
|---|---|---|---|---|---|---|---|
| 2025 | $715 | $4,960 (TDF) | - | $307 (100% VTI) | $9,016 (100% VTSAX) | $20,170 | $2,820 (100% VTI) |
| 2026 | $1,962 | $35,020 (70% VTSAX, 30% VFWAX) | $3,135 (100% S&P500) | $2,650 (100% VTI) | $11,206 (100% VTWAX) | $26,570 | $7,227 (100% VTI) |
We've had a very expensive and difficult year with a lot of family issues but I'm still proud of our progress. We've moved apartments since the last post so rent went down but the cost of pretty much everything else in life has gone up. We still have the same number of pets who still continue to be our biggest expense. But otherwise, life is good and I don't spend nearly as much time thinking/worrying about money as I used to. See ya next year!