I've had a rough two years that set my actual retirement savings back a significant margin. My post history kind of shows the situation (dad having a major stroke, me moving back home to take care of him, me trying to fix his home for when he's released from rehab, him dying, etc). I'm finally coming out of that hard situation.
I'm 37 and luckily I have zero debt. I also own my house and car outright (as a result of my dad passing, but I'd obviously rather have my dad back).
My total bills are about 2400 a month.
I make 115k pre-tax and max out my 401k now. My monthly income after taxes, insurance, 401k and pre-tax travel is 4100.
I live in New york state.
My 401k and Roth IRA are at about 100k now.
I have about 80k in a brokerage account.
My home is owned outright and worth about 430k.
I have about 30k in a HYSA after I spent 10k buying a Toyota after my other car died.
I allocate 200 a month toward my Roth IRA.
I allocate about 200 for fun every month but tend to go over it by a couple hundred. Everything feels so expensive.
I also put whatevers left over after bills into my hysa to try and build my emergency fund back up after buying a car but honestly, it feels like I'm treading water. I find that I'm putting less into the hysa because everything is increasing in cost. Food, gas, everything.
Id really love someone from outside my life to tell me I'm doing okay. Or that I'm not. I don't know.