u/RooneyToons_10

I know that this moment from Hermione was one of despair, but I like to think that Hermione was impressed and flustered by the pure audacity and BDE from Harry in this moment 😂

“How come Voldemort wants it?” Several of the Death Eaters let out low hisses.

“You dare speak his name?” whispered Bellatrix.

“Yeah,” said Harry, maintaining his tight grip on the glass ball, expecting another attempt to bewitch it from him.

“Yeah, I’ve got no problem saying Vol —”

“Shut your mouth!” Bellatrix shrieked. “You dare speak his name with your unworthy lips, you dare besmirch it with your half-blood’s tongue, you dare —”

“Did you know he’s a half-blood too?” said Harry recklessly.

Hermione gave a little moan in his ear.

“Voldemort? Yeah, his mother was a witch but his dad was a Muggle —or has he been telling you lot he’s pureblood?”

Is he a pick up for the DGW?

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Looking for some input on where we are at and how we are doing. I know most people here are anomalies so I’m looking for realistic perspectives.

Me: 33 years old, 125k salary. Started career “late” and didn’t start contributing until I was 26.

Wife: 35 years old, 65k salary.

My 401k: 122k balance, 7% contribution (minimum to get match) with 3.5% match pre-tax, 6% contribution to Roth 401k. So 13% total contribution. Plan to get to maxing 401k in the next 1-2 years which will go into Roth 401k. 100% S&P fund

Wife 401k: 128k balance, 11% contribution increasing by 1% annually. 100% S&P fund.

We plan to start maxing wife’s Roth IRA this year, I don’t plan to start contributing to Roth until I am maxing my 401k since I have the Roth 401k available.

We have 50k cash that is in a HYSA at 3.1% that we just got from the sale of property (not primary home). Once we decide the long term plan for the funds we will decide if we put some or all into a brokerage account. This would go into S&P fund because I just don’t have time to research stocks.

12.5k savings in money market.

150k in equity on primary home with 12 years left on a 15 year mortgage at 4.1%.

Cars owned, no other consumer debt. 1 child (6) with 6700 in her 529 with $150 contributed per month into total us stock market fund.

If I stay at my current job, which is secure, I will have a pension that would pay about 5k - 6k per month come retirement.

Our plan is to have my wife retire around 55 with me continuing to work to hold insurance and hopefully retire between 60-62.

Like many here that see the anomalies, we feel behind. We won’t need tens of millions come retirement as we plan to have no mortgage but will want to travel and enjoy our retirement.

Hi all. I don’t use a financial planner and I just wanted to get some opinions on where we are at. My wife and I wanting a comfortable retirement but don’t need to be “rich” in the sense of needing to have a second home. We want to travel and enjoy life. My hope is that we can both retire when we are 60, however I might go a bit longer but don’t want to retire past 62.

Here are our stats.

Me -33 years old, 125k annual income
Wife - 35 years old, 65k annual income

\*\*Retirement\*\*

My 401k - 122k, 13% contributing (7% to pre tax + 3% match, 6% to Roth 401k), plan to begin maxing 401k in the next 1-2 years. 100% S&P fund.

Wife 401k - 128k, 11% contributing with 4% match, increasing by 1% annually. 100% S&P fund.

Daughter (5F) 529 - $6700 with $150 contributed per month. 100% total US stock market fund.

If I stay at my current job (National lab) I will be vested into a pension in 3 years. I’d expect 5k-6k monthly payment if I stay until retirement.

Our plan is to start maxing my wife’s Roth IRA this year. Since I have a Roth option in my 401k, I’m opting to wait to contribute to my Roth IRA until I’ve begun maxing my 401k.

\*\*Assets\*\*

Primary Home (starter): \\\~150k in equity, 12 years left on 15 year mortgage, 4.1% interest. We bought in 2019 and did a cash out refinance in 2023, rolling that equity into property (this will come back into play later). Looking to upgrade home in the next year.

\*\*Cash\*\*

The land I mentioned above was just sold this week, we will net about 30k profit, walking away with 50k total in cash. That 50k is currently in a HYSA account at 3.1% until we decide what the long term plan is with the money.

\*\*Savings\*\*

12,500 in savings (I know, I know) most of this should be in a money market, and will be soon. $500 a month goes into this now.

Cars paid off (once my beater commuter is dead, I will take the paid off Subaru and we will get a newer family car), no other debt.

Rest of monthly bills are standard: cell phone, car insurance, streaming (entertainment), gas, groceries, etc.

This is pretty much it. I’m just wondering, generally, if we are in a decent spot and of course any insight is welcome. Thanks!