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@tanzanite 4% on the car and all federal at 4% I see a lot of people saying vacations can wait and to pay down debt which we will not be prioritizing with those interest rates 🤣

@jesussaves7763 spend 8% of our income on travel when we still have a car loan and 2 student loans lol.

@jacobradly Wonderful, thank you so much and we’ll look into it!

@jacobradly I’m honestly not 100% sure, we’ll look into it and then change to 10% Roth! He’s air force

@jacobradly But ok we may change that then, I didn’t realize they’d match the Roth instead

@jacobradly No it was 5% 401k for match and 5% Roth TSP!

@sparrow4 Thank you! we’re currently maxing the Roth IRA’s (14k next year, yay!), so we don’t have more room to go up there. The Roth TSP is something we were viewing as the next step. I feel like that may be the best option. Since our loans are less than the average market growth, I was...

@pturner0922 Thank you! that seems like the best option in my mind. Our budget does include $1200 to Roth IRA and $250 to HYSA already, but that makes a lot of sense with where to put the extra 1k

and by “nothing changing” i mean the VA rating system lol

@massave Active! Yeah no we’re not relying on that existing, but his condition is an automatic 50% as long as nothing changes before he gets out. I’m in that first sub but hadn’t seen the other yet, thanks so much! We haven’t accrued debt for over 3 years now, and have no intention to (besides...

@massave Not sure where you got $1200 in minimum, but it’s more like $800. We’re overpaying on CC and student loan minimums. I’m completely aware that SCRA benefits go away when he gets out, and we’re set to pay everything with that benefit off long before he does. 50% is (surprisingly) not that...

@massave somebody else mentioned using $500 of our extra each month to pay towards student loan debt, which is what I think we’re gonna do. So we’ll be putting 750 towards those, and then 500 more towards the savings, which could go towards our house/emergency fund

@massave We do have a budget! I didn’t include it, but maybe I should have. (also this income in new for us in the last 8 months). We have 2k to living, $1k to our travel fund (non-negotiable), $250 to HYSA, $1200 to Roth IRA, $300 to student loans, $250 to other CC payments until they’re paid...

My husband (27 m) and I (26 F) make about 150k/year with about 35k of that being tax free. Right now I have 28k in a Roth IRA, we have 11k in a HYSA currently earning 4.7%, my husband has about 5k in his 401k. His match is 5%, which he’s maxing out, as well as contributing 5% of each paycheck...